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 months to avoid unwanted surprises.

Consider your Extended Rate Lock options16

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

Checking made easy

Simplify money management with flexible checking features that fit your lifestyle.


All extended rate lock options (with the exception of the 120 days lock) require a non-refundable lock fee of $750. Must meet eligibility requirements by submitting an application with full supporting documentation. Signed offer to purchase executed by all parties. One-time float down option (within 60 days of closing) if rates drop. Other conditions may apply.