Bank Federal Home LoanObtaining A Home LoanSuggestions To Help You |
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Think you have found a good home loan package? Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. The best advice is to compare different loan packages and find the most favorable deal for you.
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Bank Federal Home Loan Suggestions |
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