Whether you're a first-time homebuyer or a long-time homeowner, BB&T has mortgage loan options to meet your needs. We'll partner with you to ensure your buying or refinancing experience is a success. We offer Conventional fixed-rate mortgages, Adjustable-rate mortgages (ARM), BB&T construction-to-permanent loan (with a ONE-TIME closing), Veteran's Administration (VA) loans, and BB&T offers a variety of loan programs to help first-time homebuyers and buyers with limited credit or income realize the dream of homeownership.