Enter your scenario and see today's rate, points and fees. When you have a contract, call or text and we lock it with you.
Lock when the payment works for your budget and you have a property under contract. Locking protects you from increases, and also means you give up any later drop unless your lock has a float-down. If you are still shopping for a home, set a rate alert instead and lock once you have a contract.
Locks are commonly offered for 30, 45 or 60 days, and a longer lock usually costs more in rate or points. Match the lock to your closing date, with a few days of cushion. We show lock-period pricing on your quote.
You can usually extend the lock for a fee, so it helps to lock for the full time you need. Ask us for the current extension terms before you lock.
A lock is tied to a specific loan and property, so most buyers lock after they are under contract. A pre-approval shows you the rate and fees now so you know what to expect.
