Hipoteca de vivienda

Desde comprar y refinanciar hasta construir su vivienda, tenemos una hipoteca adecuada para usted.

¿Ha sido afectado por un desastre natural?

Si tiene un préstamo hipotecario de BB&T y ha sido afectado por un desastre natural, revise nuestra información sobre la asistencia para préstamos hipotecarios de vivienda en caso de desastres.

Obtener asistencia

¿Quiere hacer un pago de su hipoteca actual?

¿Busca la mejor tasa?

Calcule sus tasas

Todos los campos son obligatorios.

Tipo

Montos

Propiedad

Ubicación

  • Monto del préstamo: es el monto del préstamo que está solicitando.
  • Condado: debe elegir su estado antes de elegir un condado.
  • ¿No ve su estado? Si su estado no se encuentra en el menú desplegable, es posible que esté fuera de nuestra zona de servicio. Para explorar las opciones de servicios bancarios con BB&T, contáctenos al 800-BANK-BBT (800-226-5228).

Tendencias en tasas

*Rendimiento anual. Vea información adicional en las divulgaciones que aparecen a continuación.

Buscar un profesional en hipotecas

Búsqueda avanzada for a mortgage professional

Contáctenos

¿Está interesado en una hipoteca?

¿Ya tiene una hipoteca?

Administre su hipoteca

¿Tiene preguntas sobre el proceso de compra de una vivienda?

Eche un vistazo a nuestro centro informativo de hipotecas que le ayudará a tomar decisiones informadas en cada etapa del proceso hipotecario.

¿Ya tiene una hipoteca?

Las hipotecas pueden resultar confusas, por lo tanto, queremos simplificar el proceso.

Administre su hipoteca

Conozca lo fácil que es solicitar una hipoteca por Internet

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. 

Quedar precalificado es sencillo y rápido

Solicitar una hipoteca es más fácil que nunca con nuestra nueva herramienta en línea fácil de usar. Puede comenzar ahora desde cualquiera de sus dispositivos y recibir ayuda de parte de uno de nuestros especialistas en hipotecas en cualquier etapa durante todo el proceso.

Comenzaron your mortgage process with BB&T

¿Qué le gustaría hacer?

Comprar una vivienda

Encontró una casa nueva y ahora necesita conseguir una hipoteca. Como comprador de vivienda experimentado, usted ya sabe que querrá explorar las opciones que tiene disponibles. Conozca cómo es el proceso hipotecario, haga algunos números y encuentre el préstamo ideal.

Prepararse para comprar la primera vivienda

Comprar su primera vivienda puede ser una aventura emocionante. La mejor manera de comenzar a hacer realidad su sueño es conociendo lo esencial, por ejemplo cómo precalificar y cómo llegar a la hipoteca adecuada para usted.

Refinanciar su vivienda

Si está buscando una tasa de interés y un pago mensual más bajos, refinanciar puede ser la solución. O quizás esté interesado en un refinanciamiento en efectivo para hacer mejoras en la casa o para pagar otros gastos. Descubra las maneras en que el refinanciamiento podría funcionar para usted.

Contruir una vivienda

Tomó la decisión de construir la casa de sus sueños, pero probablemente tenga más preguntas que respuestas sobre el refinanciamiento. Ahorre tiempo y dinero en su nueva vivienda con un préstamo para construcción de vivienda única y de ocupación permanente.

Solicitar el valor neto de su vivienda

¿Está buscando una manera de hacer mejoras para el hogar, pagar un auto, afrontar una matrícula o cubrir otros gastos? Conozca acerca de nuestras opciones de valor neto de la vivienda y elija el método que sea adecuado para usted.

¿Qué tipo de hipoteca es adecuada para usted?

¿Tasa fija o variable? ¿Pago inicial bajo o valor neto de la vivienda? Con tantas opciones de préstamo para elegir, ¿cómo puede decidirse?

Tasa fija

  • Es fácil crear un presupuesto, ya que el pago mensual no cambia
  • La tasa de interés favorable se congela durante el plazo del préstamo
  • Ideal si planea quedarse en su casa por más de 5 o 7 años

Tasa ajustable

  • Tasas de interés iniciales y pagos más bajos
  • Tasas ajustables con opciones de 3, 5, 7 y 10 años
  • La mejor opción si planea refinanciar o mudarse antes del ajuste de tasa

Préstamo integral para la construcción de vivienda

  • Un solo préstamo financia el lote y la construcción
  • Pago solo de intereses por hasta 12 meses de la construcción
  • Préstamos con tasa ajustable con opciones de 3, 5, 7 y 10 años

Pago inicial bajo

  • Requiere pago inicial bajo y mayor porcentaje de financiamiento disponible
  • Formas flexibles de financiar costos de cierre
  • Menos requisitos de ingresos y puntaje de crédito

Valor neto de la vivienda

  • Ideal para financiar mejoras para el hogar u otros gastos importantes
  • Opciones de préstamo o línea de crédito flexibles
  • Posibles ahorros de impuestos sobre el interés pagado

Préstamo de la Administración de Veteranos

  • No requiere un pago inicial, o requiere uno bajo
  • Se consideran ingresos e historial de crédito limitados
  • 100% de financiamiento disponible

Personalizar la experiencia hipotecaria

Mark Shaw

Averigüe cómo uno de nuestros clientes compró su primera vivienda y luego la refinanció, con el mismo agente de préstamo hipotecario.

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

Averigüe de qué manera BB&T trata a sus clientes de hipotecas como parte de su familia, con relaciones personales basadas en la comunicación abierta.

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.

Jackie Baker-Johnson

Escuche la historia inspiradora de un comprador de primera vivienda que concretó su sueño.

[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. 

[MUSIC PLAYING] 

Hmm, yeah, it's just so warm, and cozy and fuzzy.

Dustin Francis, comisario

Descubra cómo nuestros compradores de primera vivienda recibieron ayuda en cada paso del proceso.

[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.

Tome una decisión informada para su futuro

Compromisos de préstamo para tasas de tendencias
Determinar las tasas es un proceso complejo. Como no contamos con toda su información financiera, es posible que los resultados para las tasas y los pagos no reflejen su situación real.

BB&T ofrece una amplia variedad de opciones de préstamos, por lo que es posible que sea elegible para un préstamo, incluso si su situación no coincide con nuestros supuestos. Las tasas varían según las condiciones del mercado y los perfiles financieros.

Estas tasas de ejemplo se basan en la tasa de interés anual más actual y un préstamo de $200,000; el puntaje de crédito superior a 740; la vivienda principal, la vivienda unifamiliar; con un pago inicial del 20% o valor neto del 20% de la propiedad.

El pago mensual y la tasa propuestos no incluyen los pagos de impuestos previstos ni los de primas mensuales de seguro contra inundaciones o para propietarios de viviendas. Esos montos se determinarán más adelante.

La tasa actual de la hipoteca para compra con tasa fija a 30 años se basa en un costo de preparación de $985 y 1.125 puntos de descuento, lo que resultaría en 360 pagos iguales.

La tasa actual de la hipoteca para compra con tasa fija a 15 años se basa en un costo de preparación de $985 y 1 puntos de descuento, lo que resultaría en 180 pagos iguales.

La tasa actual de la hipoteca para refinanciamiento con tasa fija a 30 años se basa en un costo de preparación de $985 y 1.5 puntos de descuento, lo que resultaría en 360 pagos iguales.

La tasa actual de la hipoteca para refinanciamiento con tasa fija a 15 años se basa en un costo de preparación de $985 y 1.375 puntos de descuento, lo que resultaría en 180 pagos iguales.

Para fines comparativos, una hipoteca de $200,000 con tasa ajustable a 3 años con un pago inicial del 20% a una tasa de interés anual del 5.214%, con 0.250 puntos de descuento, y un costo de preparación de $985 con un puntaje de crédito de 740 resultaría en 36 pagos iguales de $983.88 y en 324 pagos iguales de $1109.25. Este pago no incluye impuestos ni costos de seguros; la obligación del pago total puede ser mayor. Esta es una muestra representativa basada en las tasas vigentes al 12/17/18. Las tarifas y los programas pueden cambiar en cualquier momento.

Para fines comparativos, una hipoteca de $200,000 con tasa ajustable a 5 años con un pago inicial del 20% a una tasa de interés anual del 5.064%, con 0.250 puntos de descuento, y un costo de preparación de $985 con un puntaje de crédito de 740 resultaría en 60 pagos iguales de $983.88 y en 300 pagos iguales de $1101.76. Este pago no incluye impuestos ni costos de seguros; la obligación del pago total puede ser mayor. Esta es una muestra representativa basada en las tasas vigentes al 12/17/18. Las tarifas y los programas pueden cambiar en cualquier momento.

Para fines comparativos, una hipoteca de $200,000 con tasa ajustable a 7 años con un pago inicial del 20% a una tasa de interés anual del 4.974%, con 0 puntos de descuento, y un costo de preparación de $985 con un puntaje de crédito de 740 resultaría en 84 pagos iguales de $998.57 y en 276 pagos iguales de $1097.02. Este pago no incluye impuestos ni costos de seguros; la obligación del pago total puede ser mayor. Esta es una muestra representativa basada en las tasas vigentes al 12/17/18. Las tarifas y los programas pueden cambiar en cualquier momento.

Para fines comparativos, una hipoteca de $200,000 con tasa ajustable a 10 años con un pago inicial del 20% a una tasa de interés anual del 5.146%, con 0 puntos de descuento, y un costo de preparación de $985 con un puntaje de crédito de 740 resultaría en 120 pagos iguales de $1058.42 y en 240 pagos iguales de $1103.43. Este pago no incluye impuestos ni costos de seguros; la obligación del pago total puede ser mayor. Esta es una muestra representativa basada en las tasas vigentes al 12/17/18. Las tarifas y los programas pueden cambiar en cualquier momento.

Las tasas y pagos de la hipoteca de tasa ajustable (ARM) no asumen incrementos en el índice financiero luego del período fijo inicial del préstamo. Las tasas y pagos mensuales de la ARM están sujetos a incrementos luego del período fijo inicial.

Las tasas y los precios pueden variar y están sujetos a cambios en cualquier momento sin previo aviso.

Los préstamos, líneas de crédito y tarjetas de crédito están sujetos a aprobación de crédito.

Todos los profesionales hipotecarios de BB&T están inscritos en el Sistema y registro nacional de licencias para hipotecas (NMLS), que promueve la uniformidad y la transparencia en la industria de inmuebles residenciales. Consulte el registro del NMLS.

Branch Banking and Trust Company es Miembro de FDIC y Prestamista de Vivienda Igualitaria.