Once you’ve added your property, you can lock your rate.

After you’ve locked, you’re protected if the rates go up. From there, provided the closing occurs as planned and you don’t adjust the terms of the loan, the rate is set and you can relax.

We set the number of lock days based on how long it will take to close and fund your loan (with a bit of fat thrown in just in case). So we set it for 60 days for both purchase and refi.
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