Have you gotten you "rate lock" in writing by way of a letter of commitment?
A verbal rate lock, while technically enforceable, is practically worthless. There is nothing more important to understand about rate locks than this fact. Any rate lock should be in the form of a legally binding document. This may be in the form of a lock-in form that accompanies a "letter of commitment" or "loan-commitment letter," or it may be on the letter of commitment itself. It's important to understand that not loan-commitment letters actually contain lock-in terms. The lock-in document should include both your name and the name of the lender, and the amount to be loaned, the interest rate, points, and any lock-in fees should be clearly specified. The letter should also indicate the date the lock was initiated and the date that the lock expires (or the number of days for which the lock is valid). Read the document carefully, and make sure you understand it fully. Sometimes, especially with unscrupulous lenders, the small print may void the rate lock in certain circumstances that are completely out of your control.
This goes both ways. Hope this helps.
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