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Home Loans

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

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Don’t Let a Down Payment Stand in Your Way

105% mortgage financing available to include down payment and minimal closing costs, for borrowers with qualifying credit, to help turn your dream of home ownership into reality.

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 Mortgage

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.

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Adjustable-Rate Mortgage

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.

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Investment Property Loan

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 Loan

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.

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Home Equity Line of Credit (HELOC)

Leverage your home’s equity to gain ongoing access to the funds you need when you need them. Flexible for any life goal, these funds can be used for debt consolidation, home improvements, big purchases, and more!

A Dream Mortgage for Your Dream Home

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


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


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

Mortgage Rates

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 mortgage interest rate?