If your mortgage is in progress and you’re deciding whether to lock or float, compare the lender’s quoted rates, lock periods, fees, and float-down terms. See how your expected closing date affects each option and what an extension could cost. Leave with a side-by-side cost comparison and specific questions to take to your lender before choosing.
Rate Locks
Compare mortgage rate-lock and float options by cost, lock period, and closing timing.
Use Rate Locks
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Start Rate Locks — $49.99 / month
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What it writes
- Side-by-side lock and float cost comparison
- Closing-date and extension-fee scenarios
- Questions to ask your loan officer
How to use it
Include each quoted rate, lock length, fee, expected closing date, and any float-down or extension rules in your first message. Add how likely the closing date is to change.
What you bring
- Quoted rates and lock periods
- Lock, extension, and float-down fees
- Expected closing date and lender conditions
- Get the lender’s current lock terms
A good fit for
- Your closing date is approaching and you’re weighing locking against floating
- Two lenders quoted different lock periods, rates, or extension fees
- You want to understand float-down terms before choosing a lock
Ways to start
A few requests this Agent can handle.
My lender quoted 6.5% for a 30-day lock with no fee, or 6.625% for 60 days with a $400 fee. Closing is expected in 45 days. Compare them.
I have a 6.375% rate with a 45-day lock and a $300 extension fee. Closing may slip by two weeks. What costs and questions should I consider?
My lender offers a 6.5% lock with a float-down if rates drop by 0.25 points, subject to a $500 fee. Explain the trade-offs and questions to ask.
Good to know
This workspace provides text assistance.
- Live rate quotes or forecasts of future rates
- Mortgage decisions without lender review
- Financial choices need review with your lender
- Cannot lock, extend, or change your mortgage rate
- Calculations use the rates and fees you enter
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Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.
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