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House hunting? Take your rate along.

Our Lock & Shop mortgage program gives you the edge you need in today’s competitive housing market. 

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. 
Apply for a Preapproval
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. 

Contact a Mortgage Expert See Our Rates

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). 

Resources

New Homeowners Lying In The Grass

The 3 Signs You're Ready to Buy Your First Home

Have you been thinking about buying your first house? Buying a home can be a financially beneficial long-term decision. Here are 3 signs you're ready.

A couple and their realtor standing in an empty house.

First-Time Home Buyer? Get to Know Homeowners Insurance

Once you buy your new home, it's time to get to know the ins and outs of homeowners insurance to protect your investment.

A house surrounded by blocks with question marks on them.

Demystifying Mortgage Terms, Part I

The financial industry is full of confusing terms. If you’re buying a home for the first time, a lot of terms will be thrown at you. Familiarizing yourself with them now will save you some head-scratching later.

An illustrated house filled with question marks on sticky notes.

Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.