Lock, Shop, and Go
We can give you peace of mind while you find a place you really love.
With our Lock, Shop, and Go program, you can secure an interest rate for longer than the standard lock period. Plus, you don't need a contract to lock your terms!
Highlights
- Guarantees your rate for 90 or 120 days without requiring a fully executed contract*
*A property needs to be identified within 30 days of lock expiration. For real estate industry professionals only; not for distribution to consumers. - Takes away the stress of a short-term rate lock for a better buying experience
- If rates fall, you have the option to “float down” to a lower rate 30 days before closing when locking on a 120-day lock
Eligible Programs and Terms
- Conventional, FHA, and VA with 15-year or 30-year fixed rates
- USDA with 30-year fixed rates
- Purchase transactions only
Other Requirements
- Borrower pays an upfront fee of 0.500% on a 120-day lock – Refundable if they aren’t approved for the loan
- Loan must close and fund before the lock expires
