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Maximum Lock

The longest period for which the lender will lock  the rate and points on any
program. On most programs, the longest lock period is 90 days; some go to 120 days and a few to 180
days. It is extremely important that the lock period selected be long enough to cover your home
purchase closing. On a refinance, the period must be long enough for the loan to be processed. This
can vary widely, depending on the lender's workload. Discuss the time required with the broker or
lender.


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