Get a buffer against rate volatility while building your home.

Flexible use

Ideal if you're purchasing a spec home or builder-financed new construction.

No surprises

Interest rates have been rising, but you'll know exactly what your rate will be.

Peace of mind

Lock your rate for up to 12 months during the construction process.

Your best bet is to start your rate lock when you begin framing your home. If the rate lock expires before construction is complete, we'll work with you to continue your rate lock.

In times of rising inflation, interest rates go up, too. That can make for a lot of uncertainty when you're trying to figure out what your mortgage rate will be as you build your home. Our special Extended Rate Lock program lets you secure your rate for up to 12 months1 to avoid unwanted surprises.

Consider your Extended Rate Lock options1

120 Days: Free

Long-Term Fixed-Rate Mortgages

  • 6-Month: 0.25% over current posted rate
  • 9-Month: 0.375% over current posted rate
  • 12-month: 0.75% over current posted rate

Adjustable-Rate Mortgages

  • Up to 12 Months at 0.50% over current posted rate

Run the Numbers

You can earn 5.00% APY with Fox Rewards Checking

You can earn 5.00% Annual Percentage Yield (APY) on balances of up to $5,000. For balances greater than $5,000 earn 0.50% APY.1

1

All extended rate lock options, with the exception of the 120-day lock, require a non-refundable fee of $750. Must meet eligibility requirements by submitting an application with full supporting documentation and a signed offer to purchase executed by all parties. Other conditions may apply. For additional information and details, contact one of our friendly Mortgage Loan Officers.

NMLS ID # 402968