¿Le ha ocasionado el COVID-19 dificultades financieras que afectan el pago de su hipoteca?
Podemos ayudarle a permanecer en su casa durante los momentos difíciles. Conozca todas las opciones disponibles y solicite una ayuda con los pagos por Internet.
¿Su suspensión temporal está por terminar?
Que su acuerdo de suspensión temporal esté por terminar no implica que esté solo. Estamos aquí para ayudarlo a recuperarse. Puede ser elegible para una extensión del acuerdo o para otro tipo de asistencia.
Contáctenos hoy al 800-827-3722, opción 9 o busque un HUD (Asesor de vivienda aprobado)Talk with a HUD-Approved Housing Counselor(opens in a new tab) para recibir asesoramiento sobre cómo continuar.
¿Ha sido afectado por un desastre natural?
Si está experimentando dificultades financieras causadas por un desastre natural, como un huracán o un incendio forestal, podemos ayudarle a permanecer en su casa durante estos tiempos difíciles. Revise las opciones disponibles para usted llamando a un miembro de nuestro equipo de preservación del hogar al 800-827-3722, opción 9, o leyendo nuestra Guía de referencia rápida.
¿Ya tiene una hipoteca?
¿Desea hacer un pago de su hipoteca actual a través de la banca por Internet? ¿Necesita respuestas sobre pagos de la hipoteca, seguro y depósito de reserva? Tenemos lo que necesita.
Por información sobre tasas actuales, contacte a su agente de préstamos
Comience su proceso hipotecario
¿Ya inició su solicitud de hipoteca?
Buscar un profesional en hipotecas
¿Está interesado en una hipoteca?
- Llame al 888-946-8730
- Disponible de lunes a viernes, de 8 a. m. a 8 p. m., hora del Este; y sábados de 9 a. m. a 1 p. m., hora del Este
- Solicite que lo contacte un experto en hipotecas de BB&T(opens in a new tab)
¿Ya tiene una hipoteca?
- Llame al 800-295-5744
Comuníquese con su experto en hipotecas
- Contacto: Enviar un correo electrónico to your mortgage professional
- Número NMLS: This mortgage professional's NMLS number is: View their information on the NMLS site. (opens in a new tab)
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.
¿Qué le gustaría hacer?
Dé el primer paso hacia su casa propia
Usted está listo para dar el paso y nosotros estamos listos para ayudarlo con herramientas que lo harán más simple y opciones de préstamos que lo harán más económico. Busquemos juntos el mejor préstamo para usted.
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?
Con tantas opciones de préstamo para elegir, ¿cómo puede decidirse?
- 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
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
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
- 90% de financiamiento disponible
Personalizar la experiencia hipotecaria
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.
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.
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.
¿Listo para comenzar?
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.
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.
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.
Próximamente, Folleto para el consumidor sobre hipotecas de tasa ajustable
Truist Bank es Miembro de FDIC y Prestamista de Vivienda Igualitaria.
Residentes de la ciudad de New York: es posible que estén disponibles servicios de traducción u otros servicios de acceso en otros idiomas. Cuando llame a nuestra oficina en relación con la actividad de cobro, si habla un idioma que no sea inglés y necesita servicios de interpretación, asegúrese de informárselo al representante. Una descripción y traducción de los términos de cobro de deudas comúnmente usados está disponible en varios idiomas en www.nyc.gov/dca.
Branch Banking and Trust Company ahora es Truist Bank. Más información.
BB&T y SunTrust se unieron para formar Truist. Ambas instituciones seguirán ofreciendo líneas de producto de forma independiente durante un tiempo. Esto puede incluir el diferimiento de las pautas de suscripción, las características de los productos, los términos, los cargos y los precios. Nuestros amables compañeros de equipo de las sucursales de SunTrust en su área con gusto revisarán con usted sus productos correspondientes. Puede comunicarse con ellos para obtener más información llamando al 800-SUNTRUST o SunTrust.com.