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Welcome to

Lock It Mortgage
We’re here to help you find the perfect home financing solution for your needs. Enjoy low rates, fast service and a seamless experience.
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Unlock Your Dream Home with

0% DOWN
Need help with a down payment? Explore our 0% Down Financing program for primary home buyers, which may allow moving in sooner with little to no upfront down payment required.
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1% Down

You Put Down 1%
We Provide 2%

For qualified homebuyer, our program provides the help you need to secure your new home and save more for furnishings, appliances, move-in expenses, and other essentials.
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2-1 Lender-Paid Rate Buydown

2-1 Lender-Paid
Rate Buydown

Worried about high interest rates? With our 2-1 Lender-Paid Buydown, you can ease into your new home with potentially lower payments for the first 2 years.
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No Income Verification

No Income
Verification

With as low as 10% down and credit scores starting at 660, these programs could make homeownership more accessible for business owners, 1099 earners, self-employed individuals, real estate investors and those with non-traditional income sources.
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Budget-FriendlyRefinance

Budget-Friendly
Refinance

Looking to Lower Your Mortgage Payments? Explore our Budget-Friendly Refinance program for potentially reduced monthly payments with Minimal to No refinance costs.
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CHECK YOUR MORTGAGE RATES

Loan Amount must be at least $10,000

Property Value must be at least $50,000

See if you qualify for affordable home financing programs

For Low-to-Moderate Income borrowers purchasing or refinancing a primary home

Are you a first-time homebuyer?

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Yes No

First-time homebuyers are those purchasing a home for the first time or who haven't owned property in the past three years.

Total number of financed properties

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Only 1 financed property 2 financed properties More than 2 financed properties

Including the subject property.

What is your total pre-tax income?

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Including income of all borrowers.

20+ Years of Experience

BUILT ON EXPERTISE, DRIVEN BY RESULTS

Lock It Mortgage
Housing Affordability For All

At Lock It Mortgage, we believe home financing should feel personal, not transactional. Every homebuyer's story is unique, and we’re here to help you write yours with clarity, confidence, and care.

Our Vision

Our Vision

To make homeownership more accessible and affordable for all through flexible loan programs, innovative tools, and a team that fights for your success every step of the way.

Our Mission

Our Mission

To simplify the mortgage process with transparency, competitive rates, and diverse home loan options - empowering you to move confidently from application to closing.

450+

5 Star Google Reviews

30+

Lending Partners

1,900+

Families Helped

40+

States Licensed

YOUR MORTGAGE, OUR PRIORITY

At Lock It Mortgage, we do more than provide loans - we put you first. Every step is personalized, clear, and focused on making your home financing simple, confident, and stress-free.

Competitive Rates
We help you secure the best rate by comparing options from 30+ top lenders.
Transparent & Clear Communications
We keep you informed at every step so there are no surprises.
Flexible Loan Options
We help you find the program that works best for your financial situation.
Simple & Efficient Process
We streamline each step, guiding you through the mortgage process with ease.

GET ACCESS TO 30+ TOP LENDERS

Our 30+ Lending Partners
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Home & Mortgage Updates

Stay informed on the latest housing market trends, mortgage insights, and homeownership tips designed to help you plan, buy, or refinance with confidence.

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