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Mortgage Rate Lock: A Guide
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Mortgage Rate Lock: A Guide
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Frequently Asked Questions
Don't see your question here? We love helping people understand how rates work and what yours could be. Just talk to us.
Rates are calculated using a set of details called assumptions. They can include the following:
- A loan amount
- Points paid at closing to get a lower interest rate
- A debt-to-income ratio
- A credit score
The closer your details are to assumptions – you have the same credit score, the same DTI, the same loan amount – the more likely it is you’ll get a similar rate.
Just like rates, assumptions can change. And assumptions differ from lender to lender. So it’s a good idea to check assumptions when you’re comparing rates. To see ours, select the View Legal Disclosures link under where rates are displayed.
If your details closely match those used to calculate today’s rates, possibly. Compare your credit score, debt-to-income ratio and loan amount to the ones we used by selecting the View Legal Disclosures link under where rates are displayed. If anything’s different, your rate will be too.
That’s why it’s best to connect with one of our experts to let them find your personalized rate.
Going with the lowest rate might seem smart, given how much interest you pay over the life of a mortgage. But getting the right mortgage for your situation is also important. We focus first on understanding you and your goals, not just your finances. Then we help clients find the best options.
Your first step is to apply online or talk to a Home Loan Expert and see what your personalized rate could be. After getting approved for a loan, we’ll help you lock your rate.
Mortgage rates can change daily, sometimes more than once a day. If you’re watching rates, it’s helpful to know .25% (a quarter of a percentage point), roughly equals a $30 change in your monthly payment. Interested in looking back at rate trends? Read Historical Mortgage Rates: 1971 To The Present.