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How to finish chart in the Interest Rate Lock Agreement

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hey friends its joe toyota with salesmortgagebroker.com and today were going to talk about locking your interest rate specifically how do you lock your interest rate for the correct amount of time so it saves you money and avoiding any kind of headaches now the idea here is we want to find your sweet spot we dont want to lock in for too long as youll be paying more interest but we also want to avoid any kind of pricey lock extensions for not locking long enough in the beginning its an art and a science really let me explain how this works when you lock your rate the lender takes the money from the investor who starts charging interest to them immediately since theres a chance you can still walk away the lender has to protect themselves which means your interest during the lock rate period is a little higher than normal now what does this mean during a low rate environment like were in right now you dont want to lock in too early if rates are going down however the opposite is a

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What happens if you dont close before rate lock expires?

If you miss your lock expiration date, you could be on the hook for a rate lock extension fee. Discuss your rate lock period and ask your loan officer about their rate lock extension and relock cost policies.

Can a lender break a rate lock agreement?

Also, keep in mind that the lender can void a rate lock if certain items on your credit report or mortgage application change between the time of your agreement and final underwriting.

What happens when you lock in an interest rate?

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.

What is a lock in rate agreement?

A lock-in or rate lock on a mortgage loan means that your interest rate wont change between the offer and closing, as long as you close within the specified time frame and there are no changes to your application. Mortgage interest rates can change daily, sometimes hourly.

What if I lock my mortgage rate and it goes down?

When you lock the interest rate, youre protected from rate increases due to market conditions. If rates go down prior to your loan closing and you want to take advantage of a lower rate, you may be able to pay a fee and relock at the lower interest rate. This is called repricing your loan.

Can you extend an interest rate lock?

Lenders usually charge an extra fee for extending the term of the rate lock period, however, beyond the standard 30 or 60 days; so ask about what to expect if you need to extend the lock.

What happens if you cancel a rate lock?

You can back out of a mortgage rate lock, but there are consequences. Backing out of a rate lock means giving up the application youve put time and money into. Youll have to start your mortgage application over from the start, and youll likely have to re-pay fees like the credit check and home appraisal.

What happens if my rate lock expires before closing?

If your rate lock expires, you must relock it before closing. When relocking, the lender gives you the current market rate or the rate you locked initially, whichever is higher. For example, your initial rate of 6% expired, and rates have since increased to 7%, so your new rate after relocking is 7%.

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Finish chart in the Interest Rate Lock Agreement