Everyone Deserves Their Dream Home

Make your mortgage the least stressful part of buying a home

At Wellby, we know that you want to get the right mortgage loan for where you are in your life with a payment that fits your budget. You may think your dream of owning a home is not within reach in the current market, and the home-buying process can feel overwhelming.

We believe everyone deserves to own a home with a payment they can afford. We understand that your mortgage is one of the biggest financial decisions you will make, and you want an experienced partner with you every step of the way.

That's why we've devoted ourselves to helping our members with step-by-step guidance through the home-buying process and finding the right mortgage for you.

Here's how you’ll get the right mortgage:

  1. Get pre-qualified within 1 business day. Start with our easy online application.
  2. We'll guide you through the process to find the right loan for you.
  3. Find your dream home!

Apply online today and begin your journey to homeownership. There's no reason you should miss out on owning a home. You can feel confident that you have a mortgage that fits your life and the house you've always wanted.

Mortgage Rates

APR = Annual Percentage Rate. Loans are subject to credit approval. Qualifying rates may depend on your credit rating, combined loan-to-value, amount financed, and other factors. Your actual rate may be higher than those shown based on information relating to these factors as determined after applying. 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.


A fixed-rate loan of $150,000 for 30 years at 6.500% interest rate and 6.840% APR for will have an estimated monthly payment of $948. This payment example does not include annual taxes or annual insurance. The rate provided is the interest based on a loan amount of $150,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. 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.