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Find out how easy it is to apply for a mortgage online
At BB&T, applying for a mortgage is easier than ever with our simple-to-use online tools. You can get started now from any of your devices. Getting pre-qualified is simple and fast. In just a few steps, you can be on your way to finding the home of your dreams. It's that easy. And if you need some extra help, you can contact one of our mortgage professionals to guide you through the process. We are happy to assist you with your requests. Easy, right?
Once you have been pre-qualified and need to adjust your sales price, you can do it right here. Upload documents, no more paper hassle.
You can even e-sign right from your desktop, tablet, or mobile device. It's fast, and did we mention easy? Track your progress as you go so you know exactly where you are in the process. Our checklist of essential documents will help you keep everything in one place. It's never been this easy to apply for a home mortgage. Get started today.
Getting prequalified is simple and fast
Applying for a mortgage is easier than ever with our new, simple-to-use online tool. You can get started now from any of your devices and get help from one of our mortgage professionals anytime in the process.
What would you like to do?
Buy a home
You've found a new home, and now you need to find a mortgage. As an experienced homebuyer you already know that you'll want to explore your options. Learn about the mortgage process, crunch some numbers and find your perfect loan.
Prepare to buy your first home
Buying your first home can be an exciting adventure. The best way to start realizing your dream is by learning the basics, like how to get prequalified and find a mortgage that's right for you.
Refinance your home
If you’re looking for a lower interest rate and a lower monthly payment, refinancing may be the solution. Or maybe you’re interested in cash-out refinancing for home renovations or to pay for other expenses. Discover the ways that refinancing could work for you.
Build a home
You’ve decided to build your dream home, but you probably have more questions than answers about the financing. Save time and money on your new home with a construction-to-permanent loan.
Borrow your home's equity
Are you looking for a way to make home improvements, pay for a car, tuition or other expenses? Learn about our home equity options and choose the method that’s right for you.
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?
- 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
- 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
- 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
- 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
Personalizing the mortgage experience
Learn how one client bought his first home and then later refinanced—with the same mortgage loan officer.
I worked hard. All these years of overtime, working holidays, weekends, and you finally achieve your goal. I didn't even sleep the first night I was in the home.
My name is Mark Shaw. I'm an aircraft mechanic. And I'm also in the Air National Guard.
I've been married for 14 years. And I have a nine-year-old daughter. We have two dogs, a typical lifestyle. When I was in my 20s, I made some mistakes, had to put a lot of work in trying to clear up my credit to prepare for homeownership.
Your house is the quintessential thing we all work for. This is the biggest ticket item you'll ever buy in your life, so you want to make the right decision when you do it, making sure you are financially sound, making sure you think things through, and then you go talk to the experts at BB&T.
What I enjoy most about being a mortgage loan officer at BB&T is the opportunity to share with my clients the knowledge that I've learned over the years and how to incorporate that knowledge into coming up with the best mortgage solution for somebody.
When I picked out the house, we approved what you were going to finance on a house, and how the deal went down. It went down just by the numbers. And not only that, when I was at the closing, Vincent Spadea actually showed up. People told me it was unfounded that a bank institution would actually show up to the closing of the house. So actually it was just a great experience.
The closing is really the final opportunity to visit with a client, to shake their hand, congratulate them, look them in the eye, see the smile on their face, then it really makes the job rewarding. It's a partnership. We work together with our clients so that we can best design the mortgage solution that's going to meet their needs.
The first time I refinanced my house, comps went down in my neighborhood because of all the debacle with the economy at that time, my mortgage loan officer managed my expectation. He spent time doing that. It did not go through. A year later, it did go through.
I truly know that people are thankful that we came into their lives, and we had this new partnership. At BB&T, that's the beginning of a long-term relationship.
All throughout the process, I felt support, honesty, and trust. I go in there and it's like home.
Dr. Ketan Patel
Find out how BB&T treats its mortgage clients like family, with personal connections based on open communication.
The newness of it, the excitement. And for us, it was starting a new life. Just walking through those doors where there's no furniture, just some carpet and some walls, and it's yours.
My name is Ketan Patel. I'm a podiatrist. As a kid, I knew I wanted to be a physician. My uncle was a physician, and I always looked him as a mini superhero. He goes around helping other folks. And watching that, that was an unbelievable gift.
The best part about working with my mortgage officer is that he's always willing to help. He's always there to just be a sounding board. There's so many times that he's mentioned to me before that, hey, if you've got a question, just give me a ring, or if there's something that just doesn't make sense, give me a call. One of his big fortes is communication.
A lot of my clients, they have day jobs, so a lot of times people want to talk with us perhaps during their lunch hour, oftentimes in the evenings. If the client needs to talk with me, I need to be available.
I met my mortgage loan officer to a mutual friend from high school. He was able to help out my brother, several of my other friends. And naturally, when it came time for me to buy a place, he was the easiest guy to go to.
This really is a personal relationship. At BB&T, we believe that the client is almost like part of the family.
Working with him is very seamless. It's accurate, it's fast. You can pretty much take it to the bank. Whatever he tells you, it's gonna happen.
You can tell it's kind of the banks of old, where you knew your banker, they knew about your lifestyle, your needs. You have a relationship. I really feel like I'm at a small bank, but I know that they have the power of a larger institution.
The mortgage process is pretty daunting. There's all kinds of information in the marketplace about perhaps how difficult it is to get the mortgage. Some of this information is accurate, some of it's not. So we like to kind of put the client at ease, prepare them for the process.
To me, knowledge is everything. So anytime you're going through an experience or you're trying to achieve a goal, education should be your first step. That first step is crucial, and it sets you up for success or for failure. And that's what's been pleasurable about my experiences with BB&T is the first discussion point is what is our objective, how are we gonna get there, and what are the pros and the cons behind that process.
Call BB&T. Don't think twice about it. You'll be more educated about a process that you're undergoing. You may end up finding a good relationship and a good friend that will help you in your future endeavors.
There's a lot of factors that go into it that people initially don't consider. And if they'll give us the opportunity to speak with them, typically they realize, wow, I learned things that I didn't realize were important, and they helped me to make a better decision.
You're not a number. You're not a statistic. You are a person that they have a vested interest in and want to help.
Hear the inspiring story of a first-time homebuyer fulfilling her dream.
[MUSIC PLAYING] My road, hmm-- my road, golly day-- actually it starts back, way back and I had a really rough patch along the way. My daddy always owned his home. I had in my mind, however, that one day when I grow up I'd like to buy a house. And I find myself at this age in my life a widow woman, retired, with five children and five grandchildren.?
Hmm. Can retired people buy homes? And I was told, why, yes. Your money is as good as everybody else's, and so I ventured to buy a house. Then my oldest brother died, and the money that I was saving for my house I had to take out to help bury my brother. I pondered-- I seriously pondered what to do. Because I felt as though if I took my house money, that that's my American dream pssh gone up in smoke. Because I was doing this on my own.?
There was a lot of anxiety attached to it. Because I knew that it was so important to her. My desire was to immediately say, it's not a lost cause. It's not a lost hope. You're going to have a house, I believe you're going to have a house.?
But I received a phone call from one of our housing partners and they felt that I would be a good fit to work with Ms. Jackie. And I got a call from a nonprofit that had some windfall money. She was the first person that came to my mind. I just thought about what her journey had been and what in a blessing the-- that-- for her to have that additional money-- and that meant a lot. For her to be someone who thought it wasn't going to happen and not only was it happening, but it was happening and it was going to be less than was paid in her rent. I'm just one of many standing behind her, and we're all out there chanting for that first time home buyer.?
They held me up and they gave me the confidence of knowing that I could do it and helped talk me through this and let me know that all is not lost. Yes, you had a ripple, but that's all it's going to be is a ripple. And it's just like the sky started opening up. I get the phone call saying we found a house, you need to come see it. So I'm driving down the street, and I'm looking on the right, I'm saying, ooh. I'm looking on the right I said, ooh. And guess what? Ta-da, it's this house.?
I was so excited to the point that I ran up to my husband in the middle of a church service and said, you've got to tell everyone how amazing this is.?
It's a great feeling to know that you've helped someone reach a goal that they didn't think they could achieve.?
I love coming home. I love sitting in the backyard, on the front porch, because I have both of those amenities. We have all of our holidays, dinners-- just being a family unit. This is where I'm supposed to be. This is where I belong and my family. And so I love BB&T.?
I call my first time buyers my babies. All I see is an opportunity to make dreams a reality for my clients.?
Hmm, yeah, it's just so warm, and cozy and fuzzy.
Deputy Dustin Francis
Find out how our first-time home buyers get help at every step of the process.
[MUSIC PLAYING] It was the house that I grew up in. I wanted to go somewhere that I knew I had a bunch of memories, that not only I had memories, but my wife and I had memories with as well. Most of our first dates were just coming over, watching the movie, just kind of hanging out.
My name's Dustin Francis. I'm a deputy sheriff. I'm in charge of the crime prevention program for the Halifax County Sheriff's Office in Virginia. We teach the kids to have a positive life, have a positive effect into the community. And they remember you for years to come. I'm Deputy Dustin.
Your first time buying a house, you don't have any experience with stuff. You don't know what to expect. You're nervous. You're scared. And they kind of took that out of the way for us. They put us at ease.
We all do take the time to learn about our clients needs. We want to prepare them not only for the mortgage, but also for the process.
I'd never done anything like this. At 22 years old, I was just green. I was a rookie, so to speak. The biggest fears are just the inexperience, the unknown.
In doing a mortgage, we're dealing with their family, we're dealing with their home, we're dealing with their finances or their money. What we want to keep the focus on is making sure that we learn about the client's individual needs, what makes them tick, what their plans are for the future.
My mortgage loan officer, he kind of stepped in as coach, maybe as a parent, so to speak. And he kind of just explained to me every step of the process. He gave me routine phone calls, e-mails. He just stayed in touch with me.
This really is a personal relationship. At BB&T, we believe that the client is almost like part of the family.
It's very obvious, when you first deal with them, that they're genuinely interested in making sure that you're taken care of. You're not looked at as just a client, you're the client to them. So it was just a no-brainer for us to move into that house that I grew up in. It's a dream come true.
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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.
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.
The current rate for the 30-year fixed purchase mortgage is based on a $985 origination fee; 1.125 discount points and would yield 360 equal payments.
The current rate for the 15-year fixed purchase mortgage is based on a $985 origination fee; 1 discount points and would yield 180 equal payments.
The current rate for the 30-year fixed refinance mortgage is based on a $985 origination fee; 1.5 discount points and would yield 360 equal payments.
The current rate for the 15-year fixed refinance mortgage is based on a $985 origination fee; 1.375 discount points and would yield 180 equal payments.
For comparison purposes, a 3-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 5.214% with 0.250 discount points and a $985 origination fee with a credit score of 740 would result in 36 equal payments of $983.88 and 324 equal payments of $1109.25. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 12/17/18. Rates and programs may change at any time.
For comparison purposes, a 5-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 5.064% with 0.250 discount points and a $985 origination fee with a credit score of 740 would result in 60 equal payments of $983.88 and 300 equal payments of $1101.76. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 12/17/18. Rates and programs may change at any time.
For comparison purposes, a 7-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 4.974% with 0 discount points and a $985 origination fee with a credit score of 740 would result in 84 equal payments of $998.57 and 276 equal payments of $1097.02. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 12/17/18. Rates and programs may change at any time.
For comparison purposes, a 10-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 5.146% with 0 discount points and a $985 origination fee with a credit score of 740 would result in 120 equal payments of $1058.42 and 240 equal payments of $1103.43. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 12/17/18. Rates and programs may change at any time.
Adjustable-rate mortgage (ARM) rates and payments assume no increase in the financial index after the initial fixed period of the loan. ARM rates and monthly payments are subject to increase after the initial fixed period.
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.
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.?