lock is depend the broker. But it cost.

来源: autumnmoon 于 2010-07-04 09:16:56 [] [旧帖] [给我悄悄话] 阅读数 : 0 (347 bytes)

So experienced broker/loan officer will review your file and decide to lock and after loan approve.

Are your loan is a difficult loan (income document, asset, property).

I usually request extra review if the borrower is a self employemed, commissioned, debt to income ratio higher than 45%. Property is a forclosure, bad condition.

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