Edit register in the Interest Rate Lock Agreement

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How to Edit register in the Interest Rate Lock Agreement

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[Music] hi my name is alex carlos with guston show associates i want to talk to you about this disclosure you guys get when we send you a package and i get calls on all time and youre asking what does this float mean when it comes to this interest rate disclosure so when we do an application we put a rate in there its about the going rate for your file but you know weeks weeks go on you know two weeks go past and then you get a contract and that may not be your rate but we still submit the loan with that old rate we had in there rates might be a quarter higher a quarter better so we dont discuss locking the loan necessarily until maybe the loans and underwriting some loan officers lock it before it even goes in so i usually wait because my loans take a little bit longer because im doing tougher loans so i refer to going underwriting and im 99 float so what float means when you get that disclosures that your loans not locked and youre aware that your rate can change so if you se

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Got questions?

Below are some common questions from our customers that may provide you with the answer you're looking for. If you can't find an answer to your question, please don't hesitate to reach out to us.

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Can you buy down your interest rate after locking?

In most cases you cant float down your rate unless it drops a quarter- to half-percentage point. Youll need to pay a fee. Because the lender has to renegotiate your lock with the investor you already committed to, youre usually charged a fee of up to 0.50% of your loan amount.

Can points change after rate lock?

Change your mind on taking credits versus paying points: When you lock your rate, youre also locking all of the points and credit options associated with that rate. For instance, if you decide later on that you want to pay more points up-front for a lower rate, well do that math based on the original rate you locked.

Can I change lender after locking rate?

A rate lock doesnt lock you into the deal if you find better terms and lower closing costs from another lender, you can opt to go with that lender after your rate lock with the first lender begins.

Can you change a rate lock?

No. Your locked-in rate applies to your loans specific details including your loan amount so you cant change the loan amount after locking in.

What happens if rates go down after I lock in?

If interest rates happen to go up during the period when your rate is locked, you get to keep your lower rate. On the other hand, if you lock your rate and interest rates fall, you cant take advantage of the lower rate on a refinance unless your rate lock includes a float-down option.

Can a lender change your rate after locking?

Locking your interest rate means the rate will stay the same from the time of the rate lock until the rate lock expiration date, regardless of changing market conditions. Your final interest rate may be higher or lower than what was initially quoted to you if there are changes before your loan closes.

Can points increase after rate lock?

If you float your points and market interest rates increase by the time of settlement, the lender may charge a greater number of points for a loan at the rate youve locked in. In this case, the benefit you might have had by locking in your rate may be lost because youll have to pay more in up-front costs.

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