09/10/2026
Your rate lock isn't as guaranteed as you think 🔒
Most buyers assume once they lock a rate, it's set in stone. But a rate lock only holds if the loan actually funds, and one unreleased lien can quietly stop that from happening.
Here's the trap: if underwriting can't confirm first lien position, loan approval pauses. Even if that old lien was paid years ago, if it was never formally released and recorded, it's still a live problem today. Lenders don't work off promises. They work off recorded proof.
That delay doesn't just push the closing date. It can expire your rate lock entirely and change what the buyer actually pays.
DM me if you've got title or escrow questions before your next closing. See you in escrow. 📲