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120 Day Lock & Shop Program

Are you concerned about rising mortgage interest rates while you shop for your dream home? Our Lock & Shop program lets you shop for a home – worry free. Instead of locking in your interest rate after you’ve chosen your home, our Lock & Shop program allows you to lock your mortgage interest rate first, then take the time you need to search for a home you love. Plus, your rate is locked and protected for up to 120 days – even if interest rates increase!

  • Shop with confidence knowing you’re pre-approved for a loan and have a guaranteed interest rate
  • Interest rate protected for up to 120 days1
  • No property address required at the time of application and rate lock
  • 100% Home Loan, Jumbo Mortgage, Loans for Business Owners, and Conventional2 Loan programs eligible
  • Available for primary and secondary residences only3
  • Hands-on, local mortgage loan officers to guide you through the process

Ready to get started?

Talk to us about locking in your rate for peace of mind during the home buying process.


1. Upfront 0.50% lock-in fee required at the time of lock. Borrower will receive half of the fee back at closing as a lender credit. If the borrower has not found a home at the end of 120 days and is still actively looking for a home, the rate will adjust to the lender’s current market rate and the borrower will no longer be eligible for the lender credit at closing.
2. Portfolio 10-year and 15-year fixed-rate mortgage and adjustable-rate mortgage products only.
3. Up to 70% loan-to-value available on secondary residences for Fidelity Bank customers that meet the portfolio requirements of a primary residence within 75 miles of a Fidelity Bank branch.