Capital Markets Execution Early Rate-Lock, Full Underwriting Checklist 2025

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In some cases, that can be easily justified. For borrowers of construction loans, for instance, paying for an eight-month rate lock might save them money in the long run, especially as interest rates rise. In other cases, it might not be worthwhile.
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 an Index Lock? Index Lock gives existing borrowers the opportunity to lock the most volatile part of the coupon (the Treasury index) any time after a signed application has been delivered to Freddie Mac.
A downside, for the borrower, is a mortgage rate lock would prevent them from taking advantage of lower rates that may occur during the lock period. Conversely the lender cannot take advantage of rises in interest rates. Some borrowers walk away from the agreement if interest rates fall.
ERL allows the borrower to lock the full note rate months before closing, with limited preliminary requirements. Full due diligence is provided after ERL and some aspects of the transaction can be modified, as needed, to provide flexibility.
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