Customers can lock their loan and start shopping for the perfect home
If customers are worried about rates going up, we’ve got them covered for 90 days. With our Lock and Shop program, the rate is locked and secure so they can search for a home they love. If rates go down, our one-time float down option provides the perfect solution.
Ideally suited for
⚪️Those searching for their next home
⚪️Homebuyers in competitive markets
Rate lock benefits and loan features
⚪️Interest rate protected for 90 days*
⚪️Property must be in contract by the 45th day
⚪️One-time rate float-down option
⚪️No property address required
⚪️Conventional, FHA and VA programs eligible**
⚪️Available for primary and secondary homes
*Upfront lock-in fee required at the time of lock.
**conforming loan limits only
Lock and Shop
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