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When shopping for a rate whether to refinance or purchase a home it is important to realize that until your rate is locked, the rate can change. The rates not only change each day but often will change throughout the day. Since lenders know whether you are ready to lock, it is common for unscrupulous lenders to quote the rate on the low side to capture your business. Later, when you are ready to lock they can simply tell you that rates have changed.
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