I am closing tomorrow afternoon on a new construction home. I locked in at 6.625. I'm no genius, but rates are at about 6.35 now. Just because I have a lock at 6.625 does not mean I have to close at the highest lock rate, correct? I have been eagerly awaiting my close date, but I don't want to pay even more money on my mortgage even if it's only .30 percent. I can inform the bank that I want the losest rate for the day correct? I NEED SOME GREAT ADVICE!!!!