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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.

Fixed-Rate Mortgage

Stable mortgage rates for even the wildest of financial dreams.

Lock-in Rates for the Life of Your Mortgage

With a Wellby fixed-rate mortgage, you know your interest rate won’t change for the entire length of your loan. If you plan to be in your home for the long haul, this can be a great option.

Low Risk and Less Guesswork.

Life can surprise you; your mortgage payment shouldn’t.

  • Protect yourself from potential rate increases with a rate that’s locked in.
  • Plan your payments for the duration of the loan, so there are no surprises along the way.
  • We return our profits to you through rich benefits, like competitive, typically lower rates.

Make Your Dream Home a Reality with Wellby

Step 1

Start your application online in minutes and find out if you are pre-approved.

Step 2

Shop for your dream house with confidence, knowing how much home you can afford.

Step 3

We'll guide you through the entire process, from submitting your documents, through closing day!

Flexible Term Options

Your financial needs are as unique as your dream home. That’s why we offer flexible term options to suit your long-term plans.

Low Down Payment Options

With a variety of affordable down payment options, you can begin your path to homeownership without postponing your purchase in order to save for a larger down payment.

Mortgage Jumbo

Account Type

Fixed Rate Mortgage

TermInterest RateAnnual Percentage Rate (APR)

30-Year Fixed Rate

as low as 2.75%

as low as 2.801%

20-Year Fixed Rate

as low as 2.625%

as low as 2.697%

15-Year Fixed Rate

as low as 2.375%

as low as 2.467%

10-Year Fixed Rate

as low as 2.25%

as low as 2.383%

100% Financing

as low as 3.75%

as low as 3.913%

Ready to Take the Leap?

If you’re ready to take the next step towards home ownership, our online application process is quick and easy!

Fixed-Rate Mortgage FAQs

Learn more about your fixed-rate mortgage from Wellby.

Learn More

Common Questions

How do I apply for a Wellby fixed-rate loan?
What is private mortgage insurance (PMI)?
Will my interest rate ever change?