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why and when does my interest rate get locked you know everybody who is getting a home loan at some point wants to know the answer to this question and its super understandable why people are interested in this theyre worried about missing out on rape and today ive got tom hemmington with me hey tom thanks for joining us today thanks for having me john by the way tom is the loan officer that i refer to here in the phoenix metropolitan market and today were going to talk about understanding how it is and when it is that the interest rate gets locked and people want to know about this because theyre worried about missing out on a really good rate and there are things that need to happen before the rate can get locked but it really moves pretty quickly tom once you explain to us how the interest rate gets locked and when it gets locked sure so john i would say on on a purchase transaction uh the first thing that we start to work backwards from is what is our close of escrow date so y