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so you might be wondering what happens if the rates drop after your loan is already locked and the great news is is that we offer a flip-down option basically that means if your rate improves from the time you lock then we may be able to take advantage of that lower rate now this is something that must be done within 15 days of closing and the rate must drop 1/8 of a percent so for example if your rate is 3.5% and the market improves to a point of 3.3 75 thats enough of a drop that we could ask if they would honor the float down option so always keep that in mind and ask your loan officer if you have questions
