Fixed-Rate Mortgages

Predictable monthly payments for the life of your loan

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Like the idea of a mortgage payment and interest rate that never change? Our popular fixed-rate loan may be right for you.

Best if you

  • Want a consistent monthly payment over your loan term
  • Plan to stay in your new home at least 3 to 5 years
  • Expect modest increases to your income over the next few years


  • Makes budgeting and long-term planning easier
  • Assures that your favorable interest rate is locked in for the long term
  • Extends your purchasing power with repayment terms up to 30 years

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Trending rates1



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Still exploring?

Buying a home is exciting, but it can also be overwhelming. You can feel more confident about this important milestone if you see the home-buying process as a series of steps.

Making a down payment for your new home can be difficult, but there are many down payment assistance options that may be able to help you.

Find out how much house you can afford given your monthly budget.

Not convinced that a fixed-rate mortgage is right for you?

1Loan Assumptions for Trending Rates
Determining rates is a complex process. Because we do not have all of your financial information, the rate and payment results displayed may not reflect your actual situation.

BB&T offers a wide variety of loan options, and you may still be eligible for a loan even if your situation does not match our assumptions. Rates vary according to market conditions and financial profiles.

These example rates are based on the most current APR and: Loan Amount $200,000; Credit Score over 740; Primary Home; Single Family Dwelling; with a 20% down payment or 20% equity in the property.

The proposed monthly payment and rate does not include estimated tax payments or monthly premium payments for flood insurance or homeowners insurance. These amounts will be determined at a later date.


Loans, lines of credit and credit cards are subject to credit approval.

All BB&T mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

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