Home Build Rate Protection 

Lock in a rate for up to nine months while you build with NASB's Home Build Rate Protection.

Check today's rates 

home builder lock

Key Features

If rate drops within 9 months you can get your rate lowered

Only 1% of loan amount deposit required1

Locks in rate for up to 9 months

Lock in your rate while your house is being built!

We know houses aren’t built in a day, or even a month; that’s why we’ve created our Home Build Rate Protection for home buyers like you. This program offers you rate lock protection for up to nine months while your home is being constructed, plus the opportunity to take advantage of lower rates if they become available before you move in.
  • Protection terms of 4, 6, 7, 8 and 9 months to meet your building schedule needs
  • Available on Conventional, FHA and VA Loan Programs
  • Only 1% of loan amount deposit required; refundable at closing1
  • Minimum loan amount of $175,000 required to apply2

  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
What Our Customers Say
Shawn V., September 11, 2022
★★★★★ (5)

"Our loan was for a new build in a new community. Due to construction delays, the entire escrow took 51 weeks and rates of course went up. We locked in our rate with no problem. Your team was very respectful and professional while this very lengthy escrow occurred. Nice job."

$31 Billion in home loans

In the last decade based on lender data

103,000 home loan customers since 2010

Based on lender data

90 Net Promoter Score

Based on closed loan customer surveys from 6/1/2022 to 5/30/2023

Nationally competitive products. Individualized service.


1A deposit based on a percent of the loan amount is required at the time of rate lock. The deposit is credited back in the form of a check, or can be applied as closing costs at closing, if you close your loan with NASB under the terms of the lock agreement.

2Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded.