更新1:
It is Talyor Morrison. I guess I have to pay something regardless. (If I don't lock my rate, the underwriter won't do stuff and delay closing. I will need to pay the delay fee.)
Is it required to lock my rate so underwrite will start working?
2020-10-01 8:56 am
I have about 20 more days before closing. Our agent tells me that I should lock my rate and pay the fee. I don't want to pay any fee and the rate seems will remain the same or go down in 20 days. Then the agent said if I don't lock my rate, the underwrite won't start working. Is this true? I don't see anything about lock my rate in any document I signed. It makes me feel being force and I don't know what to do.
回答 (2)
2020-10-01 10:25 am
✔ 最佳答案
Does your lender or the type of mortgage you are getting, have a mortgage lock rate?Not all do. I wouldn't take one that did.
That said, you aren't going to see any significant changes in rates until after the election. the rate go up a few pennies or down a few pennies = it could. But nickle and dime-ing like that is a waste of time.In response to the comments:
- I don't know if your realtor is being truthful or not a about not working on the loan without a lock rate. Your realtor shouldn't have anything to do with your loan. You ask your mortgage broker.
- There isn't a "delay fee". If you don't close on time your purchase contract is cancelled unless the seller wishes to extend it.
2020-10-01 9:36 am
he should know what hes talking about
收錄日期: 2021-05-01 22:39:33
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