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when is your interest rate look if you are submitting an offer today based on an interest rate that was given to you today or even yesterday chances are that by the time that you finish negotiating your offer and the contract gets ratified the interest rate can be a little bit higher a little bit lower or it could be the same however keep in mind that the interest rate doesnt get locked until you are under contract and all the documents have been submitted so you can finalize your mortgage application try to dont get fixated over an interest rate because this can change a little bit and yes that might change your monthly payment a little bit but the most important part is that you love this place that youre buying and that you cant afford it so make sure that you talk about this with your loan officer and as always if you have any questions dont hesitate to docHub out we are here to help