Mortgage interest rates are constantly changing. That's why we offer the option to "lock in" a current rate to protect you against an increase during the loan process.  Once your loan rate is locked, you will receive this rate and the discount points you requested, no matter which way rates move. This means that the interest rate you used to qualify for the loan today will still be the same when the loan closes.

You can lock in an interest rate and discount points if you:

1. Supply us with a signed and accepted purchase agreement on the property you want to buy. 
2. Submit a completed loan application. 
3. Have received initial approval on your loan application.
4. Pay the required Appraisal/Valuation Fee Deposit.

Once these requirements are met, please contact a loan representative (866-226-5225) to request a rate lock. 

• The interest rate will be guaranteed as long as you provide all documentation, information and certifications requested. 
• All loan approval conditions must be satisfied in a timely manner in order to allow us adequate time to process and fund the loan within the lock period.