Vintage Home Loan is about finding loan solutions for borrowers with unique situations.  Call us today if you have been denied by another lender or have been told your situation does not fit another lenders' loan programs.

What does it mean to lock the interest rate?

Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it 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 30-60 days, sometimes for a fee.

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