Lock and 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 90 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 90 days*
  • Property must be in contract by the 45th 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.

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.

Ready to get started? Get an estimate of your mortgage payment with our mortgage payment calculator.

Home Loan Guide

Questions about the home buying process? Our Home Loan Guide has the answers you need to make smart decisions. Learn More

We stand behind our loans

Mary Ann McGarry "We can help you find solutions, with a personal touch.” - CEO, Mary Ann McGarry
  • Real people at your side to make the complex loan process simple
  • Hundreds of products and programs, especially for first-time homebuyers
  • Fast, responsive, in-house loan operations to get you funded on time
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