Can I switch mortgage lenders after locking my loan? You can do it by locking your mortgage rate. Most lenders will allow you to do this. Locking in a rate means that a lender promises to let you take out a mortgage at the rate it’s offering today, provided that you close the loan within a certain time, usually 30-60 days.If you want to "set it and forget it," thought, current mortgage rates are attractive to make that an okay move. LOCK if closing in 7 days. LOCK if closing in 15 days. LOCK if closing in 30 days. FLOAT if closing in 45 days. float if closing in 60 days.
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