I want to lock my rate today but I don't have anything to sign yet!

[webhopper]

I want to lock my rate on the FHA refi, but my LO hasn't gotten me the docs yet. super sad and anxious... I hate waiting! 

She was supposed to have the disclosures to me this morning. 

[Anonymous]

we locked our rate 3.25% about a week before getting loan docs signed. so once they were "ordered" we locked! i think u are able to loack anytime, its locked for a certain amount of time, if u close befoe that timeframe runs out your good to go.

[Kay_Cee]

I did the same thing.  Locked my rate at 3.25% before I signed any of my loan docs and the lock is good for 60 days.  Very excited!  Just waiting for the appraisal to come in.    Call your mortgage person and lock it now if you can.

[JusdoNit]

Yeah that 3.5 looks good.  Yesterday it was over 3.75.  They wouldn't let me lock until I found a home either.

[tammyjk]

I locked in 3.5 yesterday on new purchase.

[djacks]

I locked in today at 3.626% on a streamline refi (I assumed I'm locked in since the sheet that we recieved, signed and faxed today said "LOCK-IN AGREEMENT"). Even better my MIP stays at .55% since my mortgage originated prior to June 2009. I'm thrilled with that rate, especially since when I started this whole process back in Feb I was looking at 3.995% and 1.10% MIP.

[webhopper]

Mine is a deal where I get lender paid points to accept a higher rate.

[webhopper]

My deal is structured so that I get a credit from the lender to accept a rate of 3.75% To me its a good deal. I wish I had the money now so that I didn't need the credit but we just spent a lot on wedding and honeymoon plus I put 12k down on a house in January. I seriously am looking forward to the reduction in the payment.