You deserve a home to call your own. At Wellby, we’re here to help you reach your homeownership goals with:
- A Product for Every Dream
From conventional, fixed, and adjustable to low-down-payment options, we have hundreds of mortgage options to meet your needs. - Local, Dedicated Experts
We understand the area, the market, and the community, making it easier for you to navigate the homebuying process confidently. - A Process You Can Trust
Our personalized, transparent process ensures you’re in control every step of the way. - Reliability You Can Count On
Secure your interest rate for up to 120 days1 while you shop for the perfect home.
Ready to Purchase a Home?
- Apply Online – Start your application and get pre-qualified within one business day.
- Get Personalized Guidance – A mortgage loan expert will help you find the right loan for your needs.
- Close with Confidence – Secure the best deal and move into your new home stress-free.
Why Homeowners Love Wellby
95% of members* would recommend Wellby Mortgages to family, friends, and colleagues.
*Members with a Mortgage product who completed a transactional survey.
"Samantha and Lisa did an amazing job at getting our mortgage for our new house in time for closing! They were thorough and explained everything very well and made it easy to get them the information they needed! I would definitely use them again if I planned on moving. I highly recommend them and their services!"
Michelle H.
Wellby Member
“It has been a long road to achieve homeownership. With the help of Haley Long, our dreams came true. The process wasn’t as hard as we thought and she always answered any questions we had and made us feel like we weren’t just a number.”
Jr R.
Wellby Member
“If you are buying a home I recommend talking with Haley Long. It was our first home purchase and she worked with us well beyond any other bank to provide the most competitive mortgage offer available. She is extremely professional and took care of everything. Extremely easy process with complete piece of mind.”
Ben G.
Wellby Member
Start Your Homeownership Journey
Let’s turn your dream of homeownership into reality, together. Start your application and a mortgage expert will guide you every step of the way.
APR = Annual Percentage Rate. Loans are subject to credit approval. Qualifying rates may depend on your credit rating, combined loan-to-value, amount financed, and other factors. Your actual rate may be higher than those shown based on information relating to these factors as determined after applying. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR. Rates and terms are subject to change without prior notice; other restrictions may apply.
A fixed-rate loan of $280,000 for 30 years at 6.750% interest rate and 6.881% APR will have an estimated monthly payment of $1,816. This payment example does not include annual taxes or annual insurance. The rate provided is the interest based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. Please speak with a Wellby mortgage specialist for more details.
1This offer is subject to change without notice. Wellby has the right to cancel or change this promotion at any time. The Wellby Lock & Shop program provides an initial mortgage rate lock with a .125% increase for 120 days. Rate adjustments extended more than six (6) months from the initial rate lock will not exceed 1.5%. If rates decline, the lower rate will be honored.
JSC Federal Credit Union does business as Wellby Financial ("Wellby Financial" or "Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union. This offer is subject to membership eligibility. You are eligible if you live, work, worship, attend school, or do business in the Greater Houston Metro or Galveston area. You can also join Wellby if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners’ associations, or areas of community service in our field of membership or are an American Consumer Council member. You may also be eligible to join if you are an immediate family member or live in the same household as a current Wellby member.