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Sean Reynolds and Dan Chapman discuss the concept of "locking" an interest rate for a mortgage loan. Locking in a rate means guaranteeing that rate for a specific period, typically around 30 days. This ensures that the borrower will not receive a rate higher than the locked-in rate. It is possible to extend the lock, and there is a small chance that the rate may improve before closing. There may be a cost associated with locking in a rate for an extended period.
