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Frances Hills 
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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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| Q |
What famous $40+ million home has a 60-foot pool with underwater music and a 20-car garage?
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| A |
The home of Bill Gates, co-founder of Microsoft, features the latest futuristic computer technology. |
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Frances Hills
The Lachicotte Company
10554 Ocean Highway
Pawleys Island, SC 29585
Tel: 843-446-0330
Fax: 843-527-4055
Email: franceshills@NUMBER1EXPERT.com
My entire real estate career is based on one word, INTEGRITY. After that, I use my in-depth knowledge of the area to introduce and show my clients all the properties available that meet their criteria. Once this property is found and due diligence has started, it is my job to guide and advise the client through the maze of challenges to a successful and knowledgeable acquisition of that very special property whether it is a home, condo, lot, or acreage. Each client is different and each acquisition is different and the joy of my job is meshing the two.   
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