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What does it mean to lock the interest rate?

Mortgage rates change daily and often throughout a business day. On volatile days they may change multiple times throughout a business day. Interest rates will change from the day you apply for a loan to the day you close the transaction. IF an interest rate and loan is NOT "locked"  the interest rate is considered "floating" and thus it can rise sharply during the application process which can increase the borrower’s mortgage payment unexpectedly. Therefore, a lender can allow the borrower to "lock-in" the loan’s interest rate guaranteeing that rate for a specified time period, often 30-45-60 days, and most often for FREE!

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