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Are you anxious about building a house in a subdivision, with rising rates and a lender that only offers a 30 to 45-day rate lock? Many buyers experience similar stress, especially when they’ve selected all their finishes but face a closing timeline of six to twelve months. With rates continuously climbing, sleepless nights are common as buyers feel trapped. Until recently, extended locks were rare due to a declining market, but the current upward trend makes them essential for homebuyers. This situation has become a prevalent concern in today's home-buying climate, as buyers want to protect their rates for longer periods.