On CitiMortgage.com, you can view your statements, set up auto-pay, see your mortgage details, and get mortgage assistance.
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Mortgage lenders typically offer rate locks for 30, 45 or 60 days, though it’s possible a rate lock with a longer term could be available. It’s also important to note that if you lock in your mortgage rate and then rates drop, you won’t be able to take advantage of a lower rate-in most cases.
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Lock in Your Rate. An improving economy has many financial experts predicting that interest rates will continue to rise. That means it could cost you more to take out any kind of loan, including You can protect yourself from increasing rates by locking in your mortgage rate before there’s a hike.
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A mortgage rate lock freezes your interest rate until loan closing. If you’re comfortable with your rate, and the monthly payment fits your budget, consider locking it in. Your mortgage lender will probably offer a rate lock after your initial loan application has been approved and before it’s submitted for.