Lock & Shop

Customers can lock their loan and start shopping for the perfect home

If customers are worried about rates going up, we’ve got them covered for 120 days. With our Lock and Shop program, the rate is locked and secure so they can search for a home they love. If rates go down, our one-time float down option provides the perfect solution.

 young couple receiving house keys from lender

Ideally suited for

  • Those searching for their next home
  • Homebuyers in competitive markets

Rate lock benefits and loan features

  • Interest rate protected for 120 days*
  • Property must be in contract by the 90th day
  • One-time rate float-down option
  • No property address required
  • Conventional, FHA and VA programs eligible**
  • Available for primary and secondary homes
*Upfront lock-in fee required at the time of lock.

**conforming loan limits only

For full terms and conditions, visit www.guildmortgage.com/cap-hbe-terms

We are committed to helping people achieve the dream of homeownership. Contact your local loan officer to learn more about this Lock and Shop Program. Loan applications as of 4/22/22.

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

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