House hunting? Take your rate along.

With a discounted mortgage rate plus the ability to lock that rate for 90 days, you can take your time and shop with confidence. Your rate won’t go up during the lock period, even if market rates do.

Person applying for a mortgage online

How does it work?

  • Apply and get preapproved for a SELCO mortgage. 
  • Lock in a discounted rate for a defined period of 90 days. 
  • Our experienced mortgage specialists will guide you through every step of the process. 
Family entering a new home they purchased

How can I save?

How much can you save with this program? Lock in your rate for 90 days and get a .25% discount from the published rate. 

Conditions and requirements: 

  • The Lock & Shop program has a maximum 80% LTV (loan-to-value) ratio. We offer many other mortgage programs for those who need to borrow more than 80% of the home’s value. 
  • Loans are subject to credit approval. 
  • You must be a SELCO member to qualify (join SELCO today). 


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