Lock and Shop Mortgage Loans | First Heritage Mortgage

Lock and Shop Program

Worried about rising interest rates while you’re searching for your dream home? Take the stress out of home buying with our Lock & Shop program.

With Lock & Shop, you can lock in today’s low interest rates before you decide on your next home.

Lock and Shop Program Highlights

Get peace of mind knowing your rate can be protected while you take the time you need to shop for your perfect home.

Highlights of our Lock and Shop program offering include:

No property address needed at the time of rate lock.
Lock in your interest rate for up to 240 days* of stress-free home shopping.
Lock options with loans closing within 110 days or less are protected at no cost to the borrower.
Available for Conventional Conforming, High Balance Conforming**, FHA, and VA loan products.

How Does Lock and Shop Work?

Getting started with our Lock and Shop program is simple.

All it takes is a first step!

Get in touch with one of our Mortgage Experts to start the mortgage application process – No property address or contract required!
Select the rate lock option that works best for your needs. Rate lock options are available between 50 and 240 days.
Continue shopping for your new home with peace of mind.
Contact your mortgage loan officer when you have a new home under contract.

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Mortgage Application Checklist

Use this simple checklist to get the mortgage process rolling.

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Mortgage Calculators

Try our calculators to start planning your home buying experience.

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Ready to Get Started?

Get in touch with one of our mortgage experts today to discuss your unique needs and find a home financing solution that works for you.

Talk to an Expert

NOTE: Upfront deposit, fee, and/or rate add-on may be required and may not be refundable. Additional terms and conditions apply and are subject to change without notice. Ask your First Heritage Mortgage loan expert for details. All approvals subject to underwriting guidelines, not all applicants will qualify.

* Additional fees may apply.

** High Balance Conforming loan products available in high balance areas only. Contact your First Heritage Mortgage consultant for details.

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Lock & Shop: Lock in Today's Interest Rate for up to 240 Days

Lock and Shop Program

Lock and Shop Program Highlights

Get peace of mind knowing your rate can be protected while you take the time you need to shop for your perfect home.

How Does Lock and Shop Work?

Getting started with our Lock and Shop program is simple.

Learn More

Mortgage Application Checklist

Mortgage Calculators

Ready to Get Started?

The Latest From Our Blog

Pay Off Your Mortgage Early: Easy Tricks Anyone Can Use

How Does a Mortgage Credit Certificate from the VHDA Work?

Mortgage Rates Are Rising. What’s Next?