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When are you obligated to a Loan. – The Mortgage Porter – The big issue I had with the post was the practice of going through the steps of getting preapproved with a Mortgage Professional just to drop them at the curb when you have a bona fide transaction. Ardell brought up an excellent question though, when are you committed to a Mortgage Professional? When somebody contacts me for the first time.
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Steps in the Mortgage Process when You are Buying a Home – · Steps in the Mortgage Process when You are Buying a Home. Locking.or not. Depending on when your closing date is, you may or may not want to lock in your rate. Some borrowers may opt to “float” (not lock) in their mortgage interest rate. A mortgage interest rate may (and will) change until the rate is locked in.