Secure Lock Program

Shop, negotiate, and close your transaction confidently knowing your buyer’s home loan is approved, locked, and ready to close. Our SecureLock™ program allows buyers to obtain credit approval and lock in their interest rate before they find or build their homes.

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Product highlights

Lock interest rate before finding a home
Rate protection for up to 360 days on new construction
Rate protection for up to 180 days on purchases
Protects against rising rates
Available on most primary residence conventional, high balance and FHA loans
Ability to lower the interest rate if rates go down

Borrower advantages

Peace of mind while shopping or waiting to build a home
Protection if rates rise, and the advantage to lower before closing if rates go down
Combine with Keys on Time program for double the security and confidence

Realtor advantages

Having your buyer’s home loan approved, locked and ready to close can give you assurance while you’re out shopping, negotiating or closing your transactions
Our program allows your buyers to obtain credit approval and lock in their rate BEFORE they find or build their new home. Locks available up to 360 days
A locked loan during a rising rate environment brings peace of mind

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for you?

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Frequently asked questions

With short and easy to understand answers.

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How long can a rate be locked with Secure Lock?
Up to 180 days.
What type of transaction is Secure Lock for?
Purchase of a primary residence.
What loan programs are eligible?
Conventional, FHA, and VA.
Can the interest rate change after it is locked?
No, interest rate changes are not permitted.
What is required before locking?
The borrower must be fully credit approved prior to lock.
Can this be used for construction financing?
Yes, it may be used for take-out financing on a 2x close construction program.
Are seller buydowns allowed?
Yes, seller buydowns are allowed.
Can you lock without a property address?
Yes, TBD properties are eligible.
Are there any upfront requirements?
Yes, an advance fee agreement must be executed and a fee must be paid by the borrower.