Believe it or not, lenders are still deluged with mortgage applications. Be it a HAMP or HARP refinance, a loan modification or just your plain old everyday purchase loan, lenders are busy, busy, busy. And when lenders are busy it can take longer to move a loan through the pipeline. That's important when you're considering locking in an interest rate because the longer a lender locks in your loan the more expensive that lock will be.
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