At what point in a refinance application should I be able to get a rate lock?
I've submitted my URLA, credit is checked and appraisal is scheduled. The broker has sent a disclosure pack that he wants me to sign and return with all documentation in order to start underwriting. Should I be able to get a rate lock before underwriting starts, or is this only possible after I've submitted all the signed forms and documentation?
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As a former mortgage broker, I can tell you the rate should be locked upon your signature, that day.
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