I've got a home loan with BB&T and I'm NOT delinquent with it. I've done my best to stay current with that. Now you want to know the best part, BB&T is in partnership with Fannie Mae and Freddie Mac. That is who owns my loan. I just pay it thru BB&T. Funny what you learn when you go back and read over your loan papers. I didn't know that when I took my loan out. But no matter. A man has to do what a man has to do.