Taking Advantage of
Rate-Lock Options

Mortgage interest rate movements are as hard to predict as the stock market and no one can really know for certain whether they'll go up or down.

If you have a hunch that rates are on an upward trend then you'll want to consider locking the rate as soon as you are able. Before you decide to lock, make sure that your loan can close within the lock-in period. It won't do any good to lock your rate if you can't close during the rate lock period. If you are refinancing, in most cases, your loan could close within 30 days. However, if you have any secondary financing on the home that won't be paid off, allow some extra time since we'll need to contact that lender to get their permission.

If you think rates might drop while your loan is being processed, take a risk and let your rate "float" instead of locking. Itís important to note that once we accept your lock weíre not able to renegotiate lock commitments. After you apply, you can lock in by contacting your Mortgage Consultant by telephone.

Loan Stories
Dave and Sara saved more than 3.00% on their interest rate
> Howd they do it?
                   Bank with Us
Anyone living in Orange County,
Riverside County & Long Beach, CA
> Find a branch
$103,133,843 Interest borrowers have saved
by refinancing since Jan 2012
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