What is the 120-day rate guarantee?

Our 120-day rate guarantee means you’re guaranteed your mortgage rate for 120 days. If interest rates go up during this time, your rate will remain at the lower locked in amount. If the rate goes down within 120 days, we will give you the lower rate. This makes the guarantee a low risk-high reward mortgage solution.

How does it work?

Getting the process started is super simple, as you don’t need a full mortgage application to lock in a rate. Simply give us your name and phone number and we can start the process!

Beginning on this date, you’ll have 120 days (about 4 months) to find your dream home and finish your mortgage application.

Benefits of locking in your rate

bullet icon

Provides stability and protection from potential rate increases

bullet icon

Provides peace of mind for 120 days while you shop for your dream home

bullet icon

Gives you a more accurate budget

Explore more topics

Amortization →

15 years? 20 years? 25 years? Choose an amortization period that works for you.

Payment schedule options →

How many mortgage payments will you have each month? You choose!

Fixed vs. Variable →

Which mortgage type is the best for you? Find out which one suits you best!

Meet our Mobile Mortgage Specialists

As a first-time homebuyer, we understand the importance of flexibility. Our Mobile Mortgage Specialists bring the branch to you, accommodating your schedule and providing personalized service, ensuring you can easily navigate the journey to your first home without any unnecessary stress.

Tools & Resources


Calculate your payment or mortgage amount.

Money Advice for Life

Expenses of homeownership

Have questions? That’s what we’re here for!

A male employee wearing a green dress shirt is leaning on a doorframe.

Give us a call

Have questions about which mortgage option is most suitable for you?

 A male employee with a beard wears a vest and smiles to camera.

Connect with us

Want to learn more about mortgage? Book an appointment with one of our advisors.