Don’t Let a Down Payment Stand in Your Way

At Wellby, we know you want the right mortgage to help you achieve your dream of owning your own home.

We believe everyone should be able to enjoy homeownership. We understand buying a home can be overwhelming though, especially if you’re a first-time homebuyer.

To help you secure the right financing to make your homeownership dreams a reality, Wellby offers up to 105% mortgage financing to include your down payment and a portion of closing costs, for borrowers with qualifying credit. Our 105% mortgage financing can be the perfect solution to help you purchase your dream home.

Here's how Wellby can help:

  1. Complete a mortgage application to determine pre-approval.
  2. A Wellby mortgage specialist will contact you to discuss your information and options.
  3. We'll be there to guide you through the process of becoming a new homeowner.

Don't let a down payment and closing costs keep you from home ownership. Instead, feel confident that you have a trusted partner guiding you every step of the way, working with you to find the best solution for your financial goals.

Our 105% financing mortgage is available with the following features:

  • No Down Payment
  • No Private Mortgage Insurance
  • No Origination Fee
  • No Rate Lock Fee
Fixed Rate Mortgage Rates

105% financing option is available. Loan amount may exceed the Fair Market Value of the property. The interest on the portion of the loan that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax adviser for further information regarding the deductibility of interest and charges.


Please speak with a Wellby mortgage specialist for more details.


This offer is subject to change without notice. Wellby has the right to cancel or change this promotion at any time.


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.