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I heard on the news that the fed is expected to raise rates on the 12th. My potential closing date is the 18th. Does this mean the rate I was given when I app,ied most likely going to go up before my close?
I assume you have a "lock in" and if so, no your rate is set. I can't imagine going to closing with the rate set at "market value" closing, so I'm pretty sure you are good to go at your quoted rate.
i am going through the process now. our lender gave us a 90 day rate lock.
Look at the US 10 YR Treasury Bond Yield for the direction of mortgage rates.
Depending on your credit score, loan amount, loan program and what not, you could likely add 1.5 to 2.0% to the US 10 Yr. Bond yield rate and you'll see that as typically what a mortgage bank may be offering it's clients--more or less.
Thanks to Italy, you're not likely to see mortgage rates go any higher after retreating an eighth to a quarter earlier this week.