Rates & locking FAQ

On our mortgage rates page. Every rate there includes ZERO Closing Costs, and we publish rates Monday to Friday.

Yes. Every rate on our rates page includes ZERO Closing Costs: we waive or pay origination, title, appraisal and the other traditional lender fees. Points to buy down your rate are the one optional cost, and they're always shown up front.

A lower score usually means a higher rate or an upfront fee. Pick your score range on the rates page to see rates for it.

Apply first. Your loan consultant then locks your rate with you. We offer standard, extended and float-down locks.

Yes. Standard rate locks last 30 days. For longer purchases, such as new construction, we offer extended locks of up to 12 months, including a float-down option on Conventional loans. Extended locks cost more than our standard 30-day rates; see Product Offer Details for terms.