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Lock & Shop

Lock & Shop

Shop for your perfect home and stress less with our 90 day mortgage rate lock.*

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Lock & Shop Features

Our Lock & Shop mortgage feature lets you spend more time shopping for your new home without worrying over the changing market.


Secure your mortgage rate for 90 days*

Giving you the option to move quickly when you find the perfect house.


If rates drop, so do yours!

Even with a locked rate, if the rates go down, you get the lower rate.


Apply this to almost any mortgage loan we offer*

Feel confident knowing you can secure your rate and search with ease.

Mortgage 30-Year Fixed Rate Purchase

Mortgage 15-Year Fixed Rate Purchase

Mortgage 7/1 Arm

Mortgage 5/1 Arm

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*Lock and Shop program applies to conventional residential first mortgages financed with mortgage center and excludes FHA, VA and Home Equity Loans and Lines of Credit. The rate protection program is available on purchase and refinance transactions. Mortgage amount must be between $40,000 and $726,200 to be eligible. Mortgage rates current as of 05/30/2024 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 780. A loan amount of $200,000 at an interest rate of 6.875% and an APR of 7.025% has a payment of $1,313.86 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Rate adjustment may only be done once during the application. The last date to redeem the lower rate program is the date of the issuance of the clear to close by Mortgage Center. The promotion has no cash value and is subject to change at any time. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply. Christian Financial Credit Union membership required. Mortgage Center is an Equal Housing Lender, NMLS# 282701. Christian Financial Credit Union is federally insured by NCUA.