Mortgage Lock & Shop

Lock in Your Mortgage Interest Rate While You Shop

Lock in your interest rate while you shop for your dream home!

Shopping for a new home is an exciting time for any soon-to-be homeowner, but ever-changing interest rates can put unwanted stress on an otherwise exciting experience. Many in the market to buy a new home may feel rushed to purchase out of fear that rates will continue to increase while they search for the right home.

That’s where the Wellby Lock & Shop mortgage program comes in. Our program allows you to lock in your interest rate for up to 120 days1 before finalizing a sales contract. This gives you the time to enjoy a pressure-free home buying experience.

We want to help make your dream of owning the perfect home a reality and that includes offering the peace of mind that comes with a locked-in interest rate.

Here's how Wellby can help:

  1. Get pre-qualified within 1 business day. Start with our easy online application.
  2. Work with our lending specialist to lock in your interest rate for 120 days1 while you continue shopping.
  3. Can't seem to find the perfect home? No problem! Speak with your Wellby lending specialist to expand your locked-in rate for an additional 60 days2.
  4. Find the home you love, and we'll guide you through the rest of the mortgage process.

As an added benefit, if rates decrease during your lock period, you'll receive the lower rate, so you can rest assured knowing you'll get the best rate available for your mortgage.

Don't let the fear of rising interest rates rush you into a house that doesn't truly feel like home. Lock in your rate with Wellby today and enjoy the peace of mind you're looking for while house hunting.

Mortgage Rates

This offer is subject to change without notice. Wellby has the right to cancel or change this promotion at any time.


1The Wellby Lock & Shop program provides an initial mortgage rate lock with a .125% increase for 120 days. Rate adjustments extended more than six (6) months from the initial rate lock will not exceed 1.5%. If rates decline, the lower rate will be honored.

2An extension of 60 days on top of the initial rate lock is available if unable to close within the first 120 days with a .25% increase to the mortgage rate.


APR = Annual Percentage Rate. The rate provided is the interest rate based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. Qualifying rates may be based on your credit rating, combined loan-to-value, amount financed, and other factors. A fixed-rate loan of $280,000 for 30 years at 6.875% interest rate and 7.008% APR will have an estimated monthly payment of $1,840. This payment example does not include annual taxes or annual insurance. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR. Rates and terms are subject to change without prior notice; other restrictions may apply. Please speak with a Wellby mortgage specialist for more details.


JSC Federal Credit Union does business as Wellby Financial ("Wellby Financial" or "Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union. This offer is subject to membership eligibility. You are eligible if you live, work, worship, attend school, or do business in the Greater Houston Metro or Galveston area. You can also join Wellby if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners’ associations, or areas of community service in our field of membership or are an American Consumer Council member. You may also be eligible to join if you are an immediate family member or live in the same household as a current Wellby member.