Mortgage Loan Options

We’ll help you choose a mortgage that’s a perfect fit

What type of mortgage is right for you?

With so many loan options to choose from, how do you decide?

Fixed rate

  • Easy to budget since monthly payment does not change
  • Favorable interest rate is locked in for the loan term
  • Good if you're planning to stay in your home more than 5 to 7 years


  • Single loan finances the lot and construction
  • Interest-only payments for up to 12 months of construction

Low down payment

  • Low down payment required and greater percentage of financing available
  • Flexible ways to fund closing costs
  • Lower income and credit score requirements

Home equity

  • Ideal for financing home improvements or other large expenses
  • Flexible loan or line of credit options
  • Potential tax savings on interest paid

Veterans Administration loan

  • Low or no down payment required
  • Limited income and credit history considered
  • 100% financing available

Questions about buying a home?

Check out our mortgage education center to help you make informed decisions at every stage of the mortgage process.

For current rate information please contact your Loan Officer

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Loan 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.

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.

Rates and pricing may vary and are subject to change at any time without notice.

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.

Consumer Handbook on Adjustable-Rate Mortgages coming soon.

Truist Bank, Member FDIC and an Equal Housing Lender. 

New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at

Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or

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