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What happens when rate expires AFTER signing?


clarrkkent
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The last post in this topic was posted 1124 days ago. 

 

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I started the refinance process a LOOOOONG 64 days ago. I signed documents on Wednesday this week and haven't heard a peep about closing other than a request for employment verification this afternoon. Turns out my rate lock expires today and it appears the loan hasn't closed. The lender offers complimentary rate locks and has been extending it each time the deadline is met. I didn't receive any such documentation today and, of course, I can't reach anyone on the loan team since it's after hours. 

 

Wondering if I'm screwed. And by screwed I mean the rate I selected is now $2500 more expensive for closing costs (swinging from partial credit to now paying points). 

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The last post in this topic was posted 1124 days ago. 

 

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