To help you get the best rate possible, we offer the option of "locking-in" a current rate to protect you against a rate increase during the loan process. Once your loan rate is locked, you are guaranteed to receive that rate, even if market rates change before your loan is closed, including if they become lower than your locked-in rate. 

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

• Supply us with a purchase and sale agreement on the property you want to buy. 
• Submit a completed loan application. 
• Your loan application has received an initial loan approval.

Once these requirements are met please contact our mortgage loan department to request a rate lock when we will confirm your rate and rate lock expiration date. The interest rate will be guaranteed provided you provide all documentation, information, and certifications requested. You must satisfy all loan approval conditions in a timely manner in order to allow us adequate time to process and fund the loan within the lock period.