Rate and Term Refinance

Reduce your interest rate and monthly payment or pay off your mortgage early.


Lock Rate Mortgage can help you find the perfect loan for your needs.


Refinancing into a lower mortgage rate could potentially save you thousands of dollars over the life of the loan by reducing your monthly payments and reducing the amount you will pay in interest.


Choose the term that best suits your needs – with options from 10, 15, 20, 25, 30 years and anything in between.

Cash-Out Refinance

Consolidate, get the cash you need for your project, take that dream vacation, or all the above.


Access the equity of your home to consolidate your second mortgage, credit cards and significantly reduce your monthly outgo. You may also cash-out to start or expand your investment property portfolio.


Do you have a dream project for your home? Use the equity of your home to turn your dreams into a reality.

HELOCS and 2nd Mortgages

Access the equity of your home with a line of credit or a second mortgage.


Lock Rate Mortage has a number of options for you to explore. Get the cash you need for your home improvement project, pay for college or consolidate your debt. Apply now!


VA Mortgage Loans 

Lock Rate Mortgage is proud to serve our nation’s veterans with their mortgage financing needs.


Streamline your rate reduction loan with a VA interest rate reduction refinance loan (IRRRL) which offers excellent rates and minimal paperwork.


Access the equity of your home with a VA Cash Out loan which offers easier qualifying guidelines then conventional loans.


Lock Rate Mortgage Can Help you buy the home of your dreams.


Wether you are buying your first home, upgrading or buying an investment property Lock Rate Mortgage can close your loan quickly and efficently for you.


We have a wide range of programs for first time home buyers, upgrades and for investors.


Get pre-qualified today!

Commercial Loans

Lock Rate Mortgage can help you with your next commecial purchase.


Lock Rate mortgage offers a varierty of commecial lending optoins from ARMs to 30 year fixed mortgage loans, Lending up to 70% of the property value.


We offer both rate and term refinancing, cash-out refinnancing as well as purchases.