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[Music] hey guys its eric with low va rates doing some q and a today or question and answer the question that we get asked is does it cost money to lock in a rate well it depends im gonna talk about that right now i know you probably hate hearing it depends but facts are facts and that just happens to be true some lenders do charge a fee when a borrower wants to lock in their rate other lenders dont in addition if you do lock in a rate and you need to extend that rate from the initial lock period your lender might charge you an extension fee even if they didnt charge you an upfront lock fee if a lender does charge for a lock fee up front or a lock extension its pretty typical for the amount to range anywhere from .25 to 0.5 percent for the lock up front and .06 to 0.375 for the extension now those details dont necessarily matter i just like to throw them out there for people that like to get real down in the nitty-gritty but just keep in mind again some lenders oh mr smith mrs sm