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Download the New Wellby App & Enroll in Digital Banking

Be sure you have your existing member information ready to avoid enrollment issues, including your social security number, member number, and the email address and phone number associated with your JSC FCU account. Don’t attempt to enroll more than four times to avoid being locked out.

Home Loans

Moving into your dream home starts with the right home loan.

Let Wellby Guide You Home

Whether you’re a first-time homebuyer or experienced in purchasing real estate, the mortgage process can feel overwhelming at times. That’s why we tailor our home loan options to fit your needs, your budget, and work with you through every step of the process. We provide knowledgeable guidance to help you take control of your mortgage and enjoy the first steps toward your new dream home.

Fixed-Rate Mortgages

A fixed-rate home loan allows you to take advantage of today’s competitive interest rates by locking in your rate for the entire length of your mortgage. With a fixed rate, you can determine your monthly mortgage payment based on your preferred term that best fits your needs and budget. Shop for your new home with confidence, knowing your rate will never change.

Adjustable-Rate Mortgages

Adjustable-rate mortgages often come with lower initial interest rates but will change through the length of the loan after an initial locked period. This allows you to take advantage of potentially lower rates in the early stages of your home loan, making it a good option for borrowers who plan to move again in the near future.

Mortgage Refinance

Refinancing your mortgage can potentially lower your monthly payments by giving you access to a lower interest rate or renewed term agreement. This can help you pay off your home loan faster or cash out your existing equity.

Investment Property Loans

You can start investing in real estate with confidence, knowing you’re getting a competitive rate from Wellby. Add a potential new income stream to your finances with a Wellby investment property loan that fits your budget and portfolio.

Home Equity Loans

Unlock the power of your home’s equity with a home equity loan from Wellby. Use your equity to make improvements on your home, cover major expenses, or consolidate debt so you can work toward your financial goals.

Home Improvement Loans

Whether you’re looking to remodel your kitchen, replace your roof, or add a deck to your backyard, home improvements and repairs can be expensive endeavors. A home improvement loan from Wellby can be an affordable financing option to conquer your home projects without draining your family savings.

A Dream Mortgage for Your Dream Home


Available term lengths and interest rates that fit your personal needs.


Learn what to expect from your mortgage process and closing costs.


Submit your application, upload required documents, and get approved entirely online.

Fixed Rate Mortgage

Fixed Rate Mortgage Jumbo

Home Equity Loan (1st Lien)

Home Equity Loan (2nd Lien)

Account Type

Fixed Rate Mortgage

TermInterest RateAnnual Percentage Rate (APR)
30-Year Fixed Rateas low as 2.75%NA
20-Year Fixed Rateas low as 2.625%NA

15-Year Fixed Rate

as low as 2.375%


10-Year Fixed Rate

as low as 2.25%


Speak to a Mortgage Specialist

Our team members are here to answer your home loan questions. Schedule your mortgage appointment today!

Invest in Your Home with Confidence

Whether you’re buying a new house or improving your current home, a mortgage from Wellby gives you the tools you need to have your dream home. Join the Wellby family and gain a true partner.

Mortgage and Home Loan FAQs

Learn more about home loan options available to you and find the right one for your needs.

Learn More

Common Questions

How do I apply for a Wellby home loan?
What is private mortgage insurance (PMI)?
Am I able to lower my interest rate?