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Real Estate Tips
Interest Rates >Locking in Loan Rates

It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.

While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.

The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.

Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.

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Real Estate Trivia
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What is the only land in the world that has not been walked on by human feet?

A 
A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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The Rosemary West Team, REALTOR®, real estate agents and broker for Naperville, Plainfield and Joliet, Illinois home listings, property and land for sale - NUMBER1EXPERT™

The Rosemary West Team
RE/MAX Realty

221 Springfield Ave.
Joliet, IL. 60435
Phone: 815-729-1814
Fax: 815-729-1878
Email: rosemarywest@NUMBER1EXPERT.com


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