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New Digital 银行ing—Coming Soon! Digital 银行ing is currently unavailable while we finalize a new Digital 银行ing experience as part of our systems integration. We will email you after the new platform is live for you to explore the new features and functionality. 与此同时, visit our website to learn more about what to expect and how you can prepare for a smooth transition.

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速度锁

Please look at the second page of today’s 率表 to choose the correct rate lock period and fee (if applicable).

重要的: You cannot lock into a 120-day program online. If you would like to lock into the Rate Protect, please ask a member of your mortgage team for the correct lock form.

Have you already applied for your 直接金融 mortgage?

是的I've already applied or NoI have not applied

Did you apply online? 是的我在网上申请的 or NoI did not apply online

Do you have an appointment with a Mortgage Officer? 是的I have an appointment scheduled or NoI do not have an appointment scheduled

预约日期

You are not eligible to lock your rate until you have made an appointment or completed an online 应用程序. To make an appointment call 800-400-8790.

Your Loan Officer:

贷款产品

Borrow款人

Co-Borrow款人

物业地址

Phone号码

电子邮件

Preferred Contact Method

Phone or 电子邮件

锁定率:

天

贷款金额

期限(月)

点

What interest rate are you locking?

Click here to view today's mortgage rates.

购买 or 再融资?

固定 or 可调?

VA贷款

FHA贷款

I choose to lock-in the interest rate of %表示一段时间 60 天. This interest rate commitment period will expire on

Lock Agreement Terms and Conditions:

This rate lock request is not effective until reviewed by the 速度锁 Desk.
I may lock at any one time during the loan process.
Rescheduling an initial appointment or failing to return documents may result in the loss of a locked rate.
For purchase transactions, a rate lock is not accepted until the credit union is provided a fully executed 购买 and Sales Agreement.
For VA transactions, a rate lock is not accepted until the credit union has verified your Certificate of Eligibility through the VA.
I must lock the rate at least 10 天 prior to closing. If I have not locked the rate by such date, the credit union will set the rate as of the date the credit union has confirmed a closing date.
The loan must disburse by the rate lock expiration date.
- If the loan does not disburse by the rate lock expiration date, the credit union may:
  - Extend the original locked rate with an applicable fee based on current market conditions, or
  - Quote a new higher rate based on current market conditions.
The interest rate will not be lower than the initial locked rate without paying a fee, as detailed below:
If posted rates decrease after my lock is submitted:
- The interest rate may be lowered for a fee of .5% of the loan amount for each .125% reduction in rate.
- For inquiries on rate reductions exceeding .5%, please contact Secondary for a quote.
- Closing may be delayed allowing for any necessary regulatory waiting period.
The loan amount cannot change by more than $10,000 nor transfer to another property without The credit union's consent.

PLEASE NOTE: Rescheduling an appointment or failing to supply requested documents in a timely manner may negate your rate lock.

I have read and accept the terms of the Interest 速度锁 Request.
I understand that the rate I input is not valid until reviewed and confirmed by the Lock Desk.

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直接金融

A Division of New England Federal Credit Union

600 Lafayette E.
Detroit, Michigan 48226
800.966.8200

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Routing Number #211691127
核磁测井# 446767
Your savings federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency

Equal Housing Lender
If you are using a screen reader or other assistive device or technology and are having problems using this website, 请打Phone给 800.966.8200.

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