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The gamble is that if you come to the end of your lock period and you’re not ready to close, you will have to take rates as they are at that moment. The various increments - from 30 to 90 days, with extensions - could cost you a different amount at each lender.įrank Donnelly, a mortgage broker and certified financial planner who is chair of the Mortgage Bankers Association of Metropolitan Washington, DC, usually does a 60-day lock for new purchases and refinances, if the lender offers that amount at no fee.Ĭustomers worried about paperwork not going through quickly may want to consider a 90-day lock, or extensions, for which a lender might charge an eighth or a quarter point.
If you are getting into the process at this volatile rate moment, one question to consider is how long to lock in your rate. Ritter says knew he found the rate he wanted when he called other lenders shopping around and nobody else would match it. Look at your own financial picture, and see if you’re saving money,” says Saunders. “Some people know that a neighbor got 3.25 rate, and if they end up with a 4.25 rate, they feel taken advantage of. Over the long run, a higher rate may be cheaper. On a $100,000 mortgage, that would cost $1,000, but the difference in the payments between those two rates would be just $14.30 a month. Right now the only way to get a rate below 4 percent might be to pay for it - lenders might charge 1 percent of the loan amount to lower a rate from 4 percent to 3.75. “Some people call every day, multiple times a day, trying to get the best possible rate,” says Minick, who also runs the website. Yet mortgage brokers say some of their customers are a little less satisfied these days, especially since rates have crossed that 4-percent barrier going the other way. “I could ask myself why didn’t I get 3.75 percent, but 4 percent is better than 4.875, so I’m happy,” Ritter says. There is plenty of opportunity: there may be some 20 million current mortgages at rates above 4 percent, according to an estimate by Garth Graham, director of the Stratmor Group, a mortgage industry advisory firm. So don’t panic but have a sense of urgency, says Valerie Saunders, a mortgage broker in Tampa, Florida, and board member of the Association of Mortgage Professionals. The rise may be gradual at first, but you never know with interest rates. Most analysts think rates will continue to trend up. “I put them through immediately when I get a signed contract,” says Ryan Minick, a mortgage adviser at LeaderOne Financial in Kokomo, Indiana. Jump on the right opportunity, brokers say, and as soon as you go to contract, lock in your rate and don’t look back. If you are looking to buy a house, you should still consider yourself lucky, even though rates are no longer at rock-bottom. With house values rising, those who have waited to build enough equity in their homes to qualify may find the time is right. Mortgage rates have jumped to their highest in a year - hovering at close to 4 percent for a 30-year fixed mortgage. A NACA loan counselor holds up a sign to call a home owner to his desk at the "Save the Dream" home loan modification event, coordinated by the non-profit advocacy group Neighborhood Assistance Corporation of America (NACA), at the Los Angeles Convention Center in Los Angeles, California September 25, 2009.
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