Proud Local Founding Partner of the First Tee of the Virginia Blue Ridge.  http://www.thefirstteevirginiablueridge.org/

Should I lock-in my loan rate?

It's unsure how interest rates will move at any given time.  If interest rates are expected to be volatile in the near future, considering locking your interest rate may be good because it allows you to qualify for the loan. Or, if your budget could handle a higher loan payment, or lender's lock fees, you may want to let interest rates "float" until closer to the loan closing.  It is always a good idea to lock the rate in at least 15 days before closing.

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