Easily Replace Value Choice into the Interest Rate Lock Agreement

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How to Replace Value Choice into the Interest Rate Lock Agreement

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foreign is one of our loan officers here at Morgan Financial how long you been with us about three years three years Okay cool so tell me a little bit about yourself I was born in New York um came here when I was one um I have just me and my wife just welcomed our first baby in the world about 15 months ago awesome so its been good hes a good sleeper but super hectic cool yeah then a little little schedule change when you throw another life in there right yeah yeah a little bit different cool well so today were talking about rates locking rates in rate locks yeah right okay so what is a rate lock what is a rate lock a rate lock is essentially when you protect your rate from any increases in the market so once you lock your rate in and youre under contract and everythings starting to get going you essentially lock in and protect yourself from any variations that occur okay so when is a rate lock typically occur when you go under contract go under contract once yeah but the the clie

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

A float down option is a provision extended by your loan officer that will allow you to drop your locked-in rate to the current mortgage rate before your closing date. While most lenders wont charge you a lock fee, there is an additional fee for a float down option, but its often added to your closing costs.

What happens if you lock in a mortgage rate and the rate goes up?

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 I change the interest rate after the rate lock?

As long as your home loan closes by the rates expiration date, your lender cannot change your rate even if current rates suddenly skyrocket. This provides great peace of mind for borrowers. Once youve locked, there wont be any surprise price increases. You cant unlock your mortgage rate after locking.

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.

Are mortgage rate locks binding?

When a borrower locks in an interest rate on a mortgage, it should be binding for both the borrower and the lender. The interest rate is locked for the period from the offer of the loan to its closing.

What is interest rate lock 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.

Can I choose a different rate or loan product after I lock?

In most cases, yes. Youll be locking in all the loan products you see when viewing Todays rates. This means you can change your rate, your rate type (fixed vs. adjustable), or your loan term (15, 20, 30 yr.)

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Replace Value Choice into the Interest Rate Lock Agreement