Should I Lock My Mortgage Rate Today or Wait? (Fed Week Edition)
The Fed decides today. Here's what a rate lock does, why Fed day can move rates, what waiting could cost, and when I'd lock vs. float.
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Plain-English articles on loan programs, buying a home, refinancing, and home equity, so you can walk into your next conversation with a lender knowing the basics.
Written by Jerry Kindig, licensed mortgage broker, NMLS #2397823.

The Fed decides today. Here's what a rate lock does, why Fed day can move rates, what waiting could cost, and when I'd lock vs. float.
Leave your name, email, and phone, and we will let you know when new guides are posted.
Articles are general education, not a loan offer or commitment. All loans are subject to approval.
Articles explain the basics. For your situation, talk with a licensed loan officer or compare options yourself.
Jerry Kindig, a licensed mortgage broker (NMLS #2397823) with Pick My Mortgage Rate, powered by Loan Factory (NMLS #320841).
No. Articles are general education about mortgages. They are not a loan offer, a rate quote, or a commitment to lend. All loans are subject to approval, and your options depend on your situation.
Use the blog sign-up form on this page to leave your name, email, and phone, and we will let you know when new guides are posted.
Yes. Call or text (480) 526-4505, email [email protected], or use the contact page, and a licensed loan officer will follow up.