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Can you pay for tolls with the tx tag?
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What are "paper pushers" called nowadays?
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There should not be a fee to unlock and get a lower rate. Run for the hills and go to another mortgage lender. I suggest calling the banks directly.
hmmmm... that’s troubling. Local credit union recommended to us, but maybe we need to look around more. Ugh.
I believe if you lock a rate you have to go through refinancing if it goes lower, hence the fees. Definitely get a few quotes from lenders though. It's a buyer's market and competitive so it's worth the conversations.