Strategic credit

Tailored credit solutions designed with you in mind

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When applied effectively, credit can be a powerful financial lever to substantially enhance your monetary returns.

As a BB&T Wealth client, you'll have access to an outstanding suite of exclusive credit-related services and Wealth lending specialists.

Mortgages

Unlock custom-built home financing options

We can tailor one of our premium lending packages to your specific needs, whether you're:

  • Looking to buy or build your dream home
  • Ready to purchase that perfect vacation or second home
  • A physician in residency or just starting out in practice
  • Interested in a loan that exceeds the maximum amount allowed by most lenders
  • Exploring your refinancing options and looking for highly competitive rates and terms

Home equity

Use the equity in your home to your advantage

With flexible repayment options, minimal costs and fees, and up to 100% tax deductible interest,1 you can use your home equity line to:

  • Remodel your home
  • Pay tax obligations
  • Fund a business opportunity
  • Consolidate higher-cost loans
  • Purchase luxury items, such as a car, boat or fine art
  • Inject capital into your business
  • Add to your real estate portfolio

Securities-secured

Leverage the borrowing power of your assets while keeping your portfolio intact

Use your BB&T or BB&T-affiliate securities accounts as collateral for loans and lines of credit.

  • Low cost to initiate
  • Easy access to funds by check, fund transfer or wire transfer
  • Potential deferment of capital gains taxes on your securities investments
  • Flexibility to use for a variety of purposes
  • Potential tax advantages related to interest expense

Unsecured

Use for a variety of purposes, such as one-time personal expenses and unexpected cash needs

In addition to checks, you'll have easy, 24-hour access to your account with online banking.

  • Includes loans and lines of credit
  • No collateral required
  • Flexible repayment options
  • Variable interest rate

Auto, marine & aircraft

Enhance your lifestyle with luxury solutions

Custom financing with competitive rates and a variety of flexible options, including:

  • Vehicle loans
  • Personal aircraft financing
  • Marine and watercraft financing

Customizable solutions

Specifically designed to meet your personal and business lending needs

Your BB&T Wealth advisor works to attain customized solutions on your behalf based on a full understanding of your financial plan, leveraging our lending network experts and resources to help meet both short-term liquidity needs and deliver longer term cash-flow solutions that:

  • Secure the funds you need without having to liquidate assets
  • Benefit from special financing options and tax advantages
  • Consolidate debt, reduce interest costs and lower your monthly payments

Ready to take the next step?

Schedule appointment

Choose a time for an advisor to call you.

Call now

Speak with an advisor.

Still exploring?

BB&T Perspectives shares financial, leadership and lifestyle perspectives with the hopes of enhancing our clients' lives. Learn more about the strategic credit topics our Wealth experts are discussing.

Find out if debt consolidation is right for you with this handy calculator.

Integrated services

Your BB&T Wealth advisor will help you create a comprehensive, strategic plan to integrate and coordinate your banking, credit, investments, risk management, and trust and estate planning services.

Comprehensive financial planning

Simplify your complex financial life with a BB&T Wealth advisor who can help you see the big picture.

Banking

Optimize your cash flow with access to our premier banking services and preferred rates.

Retirement and investing

Bring your short- and long-term financial goals into focus with customized planning and investment strategies as well as self-directed services.

1Consult your tax advisor for details. A 1098 will be issued as required by law.

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

Only deposit products are FDIC insured.

Traditional banking services are provided by Branch Banking and Trust Company, Member FDIC and Equal Housing Lender. Equal Housing Lender

Investment solutions are provided by Branch Banking and Trust Company, and BB&T Investment Services, Inc. BB&T Investment Services, Inc. is a wholly owned registered broker/dealer subsidiary of Branch Banking and Trust Company, Member FINRA/SIPC.

Securities, Insurance and Advisory Services are:

  • Not a deposit
  • Not FDIC-insured
  • Not guaranteed by a bank
  • Not insured by any state or federal government agency
  • May go down in value

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.