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For Realtors: Killeen, Harker Heights, Copperas Cove and Fort Hood Texas home buying, real estate listings, and homes for sale in Bell County, TX

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Interest Rates >Locking in Loan Rates

It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.

While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.

The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.

Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.

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Q	What is the average age of a first-time homebuyer in the United States today?
A	The average age of a first-time U.S. home buyer is 32 years.
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Peggy Fenton, REALTORŽ, real estate agent and broker for Killeen, Harker Heights, Copperas Cove and Fort Hood Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Peggy Fenton
EXIT HOMEVETS REALTY
2000 East Central Texas Expressway Suite B
Killeen
TX 76541
254-953-8387
254-699-6006
Fax: 254-699-6011
Real Estate Licence: 03592390 TX
PeggyFenton@peggysells4u.com
My name is Peggy Fenton and I am a realtor with EXIT HOMEVETS REALTY, Realtors in Killeen, Texas. I am a native born Texan. I have been a military wife myself; therefore, I feel very comfortable when I say that I truly understand the relocation process and all that it involves. I have lived in the area since 1971, with the exception of our military moves. I have a marvelous, handsome 23-year-old son that is soon to graduate from college in horticultural engineering, thank goodness! I have been a member of the Fort Hood Area Board of Realtors for the past 14 years, which serves the surrounding cities of Killeen, Harker Heights, Copperas Cove, Kempner, and Lampasas. I am an Associate Broker, a Certified Residential Specialist (CRS), Graduate Real Estate Institute (GRI), Certified Relocation Certified Specialist (CRRS), and have been a multimillion-dollar producer for the past 14 years. For those of you that like the Belton/Salado/Temple areas, I have just joined their board of realtors and can help you in those areas as well. My job is to do everything in my power to help make your move one that is essentially worry free. I can help make lodging reservations, provide you with educational, employment, and child-care information. I am here to provide you with absolutely outrageous service! My personal hobbies include spending time with my horses, snow skiing, gardening, and cooking. Call me for all your real estate needs, EXIT HOMEVETS REALTY making real estate real easy Ž

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