Lock in your interest rate for 90 days and enjoy a float down option!

Lock your interest rate for up to 90 days before you find your home.

Shop with confidence knowing your rate and buying power are secure. If rates drop within 30 days of closing, we’ll re-disclose at the lower rate.

Why It Matters

✔ Protect today’s rate

✔ Benefit if rates improve

✔ Make stronger, more competitive offers

When purchasing a home, let Worthington Mortgage be your first choice with a 90-day lock and shop

Additional Benefits of a Mortgage Bank:

No Broker Fees | Lower Interest Rates | Lower Closing Costs

Today’s rate is as low as  5.5% APR

3% down and 0% if you’re a veteran

Fast pre-approval in under 2 hours

Close in as little as 30 days

Billions of Home Loans.
Thousands of Happy Customers.

“From my first call, my Loan Officer answered all of my questions and eased my anxiety through the process of my home purchase. I even had an issue come up after closing that I reached…”

Rob Mould, Nashville, Tennessee

“It was a pleasure working with you on our Smith Lake home! You 1resolved every issue with a timely solution, demonstrating a true knowledge of the mortgage world. Having interfaced with a few real estate deals over the years, I am very impressed with your willingness to get the job done. You are a credit to New South Mortgage! Again, Thank You for the great support!”

Ray Simons, Home Refinance

“Working with Worthington Mortgage is always guaranteed to be a smooth process. My Loan Officer always does her job well and communicates with everyone to ensure there are no issues at closing.”

Susan Bold, Home Purchase

“Brandi in Huntsville is an awesome Loan Officer! I was very impressed with her positive attitude, customer service, attention to detail, and quick turn-around. Best experience I have ever had with a home loan!”

Janet Cummings, Refinance

“NSM is where you go if you want to feel like part of a family. This is where I’ve met some of the most knowledgeable people and where we all work as a team to get the job done.”

Kimberly Timothy, Purchase

“Thanks to Will Worthington and New South Mortgage for making the home-buying process pleasant and simple, we couldn’t have done it without you!”

Albert Berckshire, Purchase

Are you ready to lock in your interest rate today and have float-down option?

If you’re in the market to buy a house, locking in your interest rate today can provide you with peace of mind and protection from potential rate increases during the loan process. This is where our Lock and Shop program comes in. Not only does it allow you to lock in your interest rate while you shop for your dream home, but it also offers the flexibility of a float-down option in case interest rates decrease.

This program can help you secure the best deal possible and allow you to focus on finding the perfect home without worrying about fluctuations in interest rates.

Fill out the form below, and get pre-approved in under 2 hours!