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Smart Money
What to do when your rate locks in
Once your rate is locked, the work isn't quite over. There are a few things that happen between now and closing that can actually affect your loan — and knowing what to expect helps you protect that rate you've secured. Your lender will order an appraisal, verify your employment and assets one more time, and finalize the title search. On your end, avoid big purchases, new credit applications, or major changes to your financial picture. These things can sometimes trigger a review that delays closing or, rarely, affects your approval. It's not about being perfect — it's about being stable. If something does change in your life between locking and closing, just let me know right away so we can work through it together. If you're in the middle of a loan process and have questions about what happens next, I'm here to walk you through it.
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