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dreamcatcher8993 | To lock in or not to lock in? |
Our builder is saying it will take til mid Sept to finish our house. I think rates are only going up Is there any reason NOT to lock it in today?
Additional Details
Thanks for the congrats. yes we are feeling very lucky right now! |
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The Hit Man
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You just answered your own question. |
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Darleny
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You should lock in but you might have a to pay points or a higher interest rate then you will have to lock in with in enough time to make sure if your builder is late your not charged to extend and have your rate go up |
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W. E
 |
I wold suggest locking in your rate. If you can hold off 2 weeks, until the July 21st, than lock it in for 45 days to 60 days (normally it is 45 days, depends on the lender), than your rate will be locked until Mid Sept. Look at your calender, and decided on when to lock it, talk to your broker / lender/ underwriter for their suggestion. See what the rate will be to lock it in, and if it will cost you anything at the Par rate. Par is what the lender will give you, with out the Broker/ LO making anything on the back end. Do you have it in writing that he will be don Mid September, anything that says, if he is past the time of compleation, he pay's you a daily fee? Just curious. Good Luck to you, and congratulations. |
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Dora the explorer
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Lock it |
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itilian_2
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rates are going back up. no doubt about that! if ur credit is good u will still be able to get a good rate at any time. the rates are for people with bad credit. they are high risk to a lender, by setting the rates high the lender makes more money. if the person with those high rates fails to pay, then the lender just got a new house. its a win-win for the lender! |
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Texas Cowboy
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It will be a higher rate and rates may not go up.
It is a judgement call.
I like to lock in rates.
It makes my life predictable and if they go to low I can refinance. |
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Fergy
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who really knows? Maybe your banker? By the way, congratulations. I had my own home before but lost it. I never had one built but I bet its a nice feeling huh? |
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thetoothfairyiscreepy
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no, lock in for as long as possible, since new construction homes almost always take longer to complete than expected!
congrats on your new home! |
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skylids
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rate are definitely going up you should lock it! |
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