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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteContact your lender before the expiration date. Confirm the precise deadline in your rate-lock agreement and on page one of your Loan Estimate, ask in writing about an extension or relock, and find out what happens if closing occurs after the lock ends. Keep sending requested documents so processing does not create another delay. Compare any extension or revised offer with the cost and closing risk of changing lenders.
What a mortgage rate lock protects—and what it does not
A mortgage rate lock is a conditional promise about the interest rate and, depending on the agreement, related pricing such as points or credits. It generally protects that pricing only through the stated lock period, provided you close within that period and the facts supporting your application do not materially change.
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The protection is not indefinite and does not automatically continue because a purchase contract is still active. Mortgage rates can change daily, sometimes hourly, according to the Consumer Financial Protection Bureau (CFPB). A lock therefore has both a rate and a clock.
Typical lock periods
The CFPB says lock periods are commonly 30, 45 or 60 days, although lenders may offer longer periods. The number of days is not the only term that matters. Your agreement may specify a particular expiration time, a time zone, whether the date refers to closing or funding, and what events can change the locked terms.
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Conditions that can invalidate or change a lock
A lender may reprice a loan if relevant application information changes. Examples include the loan amount, credit score, verified income, loan type, down payment or appraisal. A lock also may not protect you if required conditions are not met or if closing occurs after the stated deadline. The exact treatment depends on your agreement and the facts of your file.
How to find the exact expiration date
Do not rely on an estimated closing date or a verbal statement that your rate is “good until closing.” Locate the controlling documents and ask the lender to reconcile any differences.
- Read page one of the Loan Estimate. It indicates whether the interest rate is locked and identifies the date or period through which the lock applies.
- Read the separate lock confirmation or lock agreement. Look for the effective date, expiration date and time, covered loan terms, extension rules, relock rules and any deadlines for requesting action.
- Ask whether the relevant event is closing, signing or funding. Some transactions sign documents on one day but fund on another. Have the lender and closing agent confirm which date must fall inside the lock.
- Check for application changes. Compare the locked terms with your current loan amount, income documentation, credit profile, property value, down payment and loan program.
- Write down the lender’s contact and escalation path. Keep the loan officer, processor and closing contact in the same email thread so commitments are traceable.
The Loan Estimate does not necessarily show the cost of extending a lock or the price difference for choosing a different lock period. Those details usually come from the lender’s lock policy and your written quote.
What to do today: a step-by-step plan
1. Calculate the real timing margin
Ask the lender for a realistic date for clear-to-close, document signing and funding, not merely an optimistic target closing date. Ask the closing agent whether title, payoff, recording or funding requirements could add time. Compare each date with the lock’s exact expiration, including the stated time of day.
2. Request written extension and relock terms
Ask for the available extension lengths, total fee, per-day or flat pricing, request deadline, payment method and whether the lender can refuse. Also ask whether the lender offers a relock after expiration, what rate and points would apply, and whether the new lock starts immediately or only after a previous lock is released.
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3. Ask what happens if the deadline passes
Get a direct answer to whether the loan will be re-priced, whether the lender will require a new application review, and whether closing can proceed while pricing is unresolved. Ask how long the lender can hold the file while you decide. Have every answer and any revised terms sent in writing.
4. Identify the remaining loan conditions
Request a current list of outstanding income, asset, insurance, title, appraisal and other conditions. Send complete documents promptly, using the lender’s requested format and secure channel. Incomplete or late documentation can push closing beyond the lock and may also affect the lender’s ability to approve an extension.
5. Confirm responsibility for the delay
Ask which tasks remain with you, the lender, the title company, the seller or another party. If lender processing caused the delay, ask whether it will waive or pay the extension cost. The lender may agree, but neither a waiver nor reimbursement is guaranteed; obtain any commitment in writing.
6. Protect the purchase contract
Review the contract’s closing date, notice requirements, financing contingency, rate-lock contingency (if any), extension procedures and earnest-money consequences. Tell your real-estate agent and closing attorney or settlement provider about the possible lock expiration. Do not assume the mortgage deadline and contract deadline move together.
7. Set a decision deadline before expiration
Give yourself enough time to compare the lender’s written options and, if necessary, obtain another Loan Estimate. Waiting until the expiration day can leave no practical time to negotiate, document a contract extension or evaluate another lender.
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How to compare an extension, relock or new offer
There is no universal extension price. Fees, availability and eligibility are lender-specific, so compare the complete economics and the probability of closing on time.
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| Option | What to obtain in writing | Main benefit | Main risk or cost |
|---|---|---|---|
| Extend the existing lock | Extension length, fee, request deadline, covered terms and conditions | Preserves the current application and may avoid restarting the file | Fee or changed pricing; lender may decline or impose conditions |
| Relock with the current lender | New rate, points or credits, effective date, expiration and relock rules | May reset the deadline without changing lenders | Rate could be higher and prior lock terms may be surrendered |
| Allow the lock to expire and reprice | Expected rate and pricing, validity period and approval conditions | May avoid an extension fee if current market pricing is favorable | Rate can rise; terms may change and timing remains uncertain |
| Switch to another lender | New Loan Estimate, lock period, points, fees and credible closing date | Could offer better pricing or a lender able to meet the deadline | Restarts processing and can delay or endanger the purchase |
Compare at least these five items: total extension or relock cost; new interest rate and points or credits; how long protection lasts and what triggers a change; the lender’s demonstrated ability to close by the contract date; and who caused the delay, including any written agreement about cost coverage.
If closing is expected before the lock expires
Ask the lender and closing agent to confirm that the planned signing and funding dates fall inside the lock period. Verify that all underwriting conditions, title work, insurance and required disclosures can be completed in time. A closing scheduled before expiration can still miss the protection if funding occurs later or if an application change requires re-underwriting.
Keep supplying documents until the lender confirms the file is complete. Do not make new credit applications, change jobs, move large sums of money or alter the down payment without first asking how the change could affect the lock and approval.
If closing may occur after expiration
Ask for an extension or relock before the lender’s request deadline. Request side-by-side written figures showing the payment, rate, points, lender credits and cash to close under each option. Ask whether the extension covers only the interest rate or also other pricing components.
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If the lender cannot provide a firm answer, ask what rate would apply if the lock expires and whether the lender will issue an updated Loan Estimate. Coordinate any needed purchase-contract extension with the seller before the existing deadline. A mortgage solution that looks cheaper but cannot close on time can put the transaction and earnest money at risk.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.When the lender caused the delay
Document the timeline: when you submitted each item, when the lender requested follow-up information, when underwriting responded and which tasks remain. Send a concise written request asking the lender to identify the cause of delay and state whether it will waive or pay the extension charge. Keep copies of emails, upload confirmations and status updates.
CFPB materials do not establish a guaranteed reimbursement or waiver. If the lender declines, compare the cost of paying the extension with the financial and contractual risk of repricing, delaying closing or changing lenders.
When another lender appears cheaper
Switching lenders is generally possible before final closing documents are signed, but it restarts substantial work. Obtain a written Loan Estimate from the replacement lender and ask for a credible closing date based on your property and loan type.
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- Interest rate, annual percentage rate and points or lender credits.
- Origination charges, underwriting fees, appraisal or credit-report charges, title-related costs and other cash-to-close items.
- Length and conditions of the new lock, including the expiration date and extension policy.
- Whether your appraisal, verification and submitted documents can be reused.
- Days needed for underwriting, disclosure delivery, signing and funding.
- Consequences if the new lender misses the purchase contract’s closing date.
A lower quoted rate is not useful if the new process cannot finish before the contract deadline. Ask both lenders to identify assumptions that could change the price, such as credit, loan amount, appraisal or verified income.
If the rate or fees change on the Closing Disclosure
First request a specific explanation from the lender. Compare the Closing Disclosure with the Loan Estimate, the lock confirmation and any documented application changes. Ask the lender to identify which term changed, why it changed and which provision permits the change.
Potential explanations include a different loan amount, credit score, verified income, loan type, down payment or appraisal. A lock may not apply after such a change, depending on the agreement. If the explanation is unsatisfactory, CFPB guidance describes considering another lender or negotiating a delayed closing, while recognizing that either choice carries timing risk.
Do not sign based on a verbal assurance that the figures will be corrected later. Request a corrected disclosure or a written statement of the agreed adjustment, and ask the closing agent whether a change affects the scheduled signing or funding.
Questions to send your lender
- What exact date and time does my current lock expire, and is funding required before that time?
- Which application facts or loan changes would void or reprice the lock?
- What extension periods are available, what do they cost, and when must I request one?
- Can the lender refuse an extension or relock, and under what conditions?
- If the lock expires, what rate, points and credits would apply?
- Which underwriting or closing conditions remain, and what is the realistic clear-to-close and funding date?
- Did lender processing contribute to the delay, and will the lender waive or cover any charge?
- Will each answer and any revised pricing be provided in a new written disclosure or lock confirmation?
How to avoid a future lock expiration
Before choosing a lock, ask how the lender handles extensions, what triggers repricing and how much time the lender recommends for your transaction type. The CFPB advises borrowers who worry that a lock is too short to ask about switching to a longer lock period while that option is still available.
After locking, respond quickly to document requests, review status updates, and raise appraisal, title or employment changes immediately. Keep the lender, real-estate agent and closing provider informed of the lock deadline so a problem is addressed while options remain.
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