Easily Replace Option Choice from the Interest Rate Lock Agreement

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How to Replace Option Choice from the Interest Rate Lock Agreement

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lets talk about locking in your interest rate when you should lock your rate and what happens if you lock your rate and rates fall are you stuck lets discuss im shahidah hill getting you over the hill to home ownership and helping you confidently buy your first home when you are pre-approved the rate that you are pre-approved with is generally floating it can change with the market so as the market changes it may go up it may go down you may get a loan estimate from your lender and that is based on what the interest rates are at that time and typically rates dont dont go you know up and down drastically so it may come up go up a little bit go down a little bit throughout the time that youve locked your rate however depending on the market rates may be more volatile and have huge increases over even a couple of weeks or a couple of months so the longer you are floating your rate the more at risk you are for rate fluctuations so you want to be mindful that if you have not lost your

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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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Should I let my rate lock expire?

If your rate lock expires, it may cost you more money! Most lenders will charge a fee to extend your rate. The amount of that fee is typically calculated based on the interest rate at the time the extension is requested. It may cost you thousands of dollars to extend.

What happens if you dont close before rate lock?

Depending on whos to blame for the loan failing to close on time, the lender might cover or pay a portion of the cost. If your lender wont extend the rate lock, the combination of rate and points you locked in might no longer be available. In that event, the loan would be based on the new prevailing rate.

What are rate lock options?

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.

How long can a lender extend a rate lock?

An extended rate lock is for purchase transactions only and secures an interest rate for a period beyond 120 days. An extended rate lock is especially a great tool for homes that are under construction.

Can I change my mind after locking in a mortgage rate?

You cant unlock your mortgage rate after locking. But there may be other ways to get a lower rate after youve locked. However, the agreement works both ways. If rates suddenly fall, you cant just back out of the rate lock and expect your lender to offer you a lower interest rate.

What are my options if my rate lock expires?

If your interest rate lock expires before you close, you have two options: close with the current mortgage rate available or pay for a rate lock extension. If youre afraid of paying rate lock extension fees, speak with your lender.

Can you change rate after rate lock?

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 loan points change after rate lock?

Credits or Points: If you originally Locked In your Mortgage Interest Rate, along with your point or credit options- its possible to change the point or credit options to have your options based on the Mortgage Interest Rates that existed on the same day that you originally took out the loan.

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