Mortgage Loan Options

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

Get started with your mortgage process at BB&T - important Contact us (moves focus down)

What type of mortgage is right for you?

Fixed or variable rate? Low down payment or home equity? With so many loan options to choose from, how do you decide?

Tell us about yourself, and we'll help you get started.

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You may be interested in:

Important Information!

Choose one or more of the above boxes to see your options.

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

Adjustable rate

  • Lower initial interest rates and payments
  • Adjustable rates with options of 3, 5, 7 and 10 years
  • Best if you plan to refinance or move before rate adjustment

Construction-to-permanent

  • Single loan finances the lot and construction
  • Interest-only payments for up to 12 months of construction
  • Adjustable rate loans available with options of 3, 5, 7 and 10 years

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

Shopping for rates?

Estimate your rates

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Loan Amount

This is the amount of the loan that you are requesting.

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Mortgage balance

Please enter the current balance on your existing mortgage loan. If you don't have an existing mortgage, enter 0.

Don't see your state?

If your state is not listed in the drop-down box, you may be located outside of our service area. To explore your banking options with BB&T, please contact us at 800-BANK-BBT (800-226-5228).

You must select your state before you can select a county.

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Questions about buying a home?

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

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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 720; 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.

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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.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon