Once you have locked in your AZ Refinance rate, continue to keep an eye on them. Rates will often drop after you have already locked in your rate, but your lender will not usually offer to re-lock your loan. Don't be afraid to ask, or to switch lenders if they say no.
Remember, rates fluctuate up and down all the time. Once you have locked in a rate, continue to watch the rates. Often the rates will drop after you have already locked in a rate, but they will not offer to re-lock your loan. Don't be afraid to switch lenders if they will not re-lock your loan. Tell the new lender you are locked with the first lender and ask if they can better your AZ Home Loan rate.
Don't lock in a rate with a lender who charges you any fees at all to lock, there is much too much competition out there right now for you to have to do this, there's no reason to pay these fees.
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