Rates & Pricing

Rate lock timing - should I lock now or float with the 10-yr?

Marcus R. · Mar 9, 2026 · 598 views

Looking at a lock vs float situation on a $650k DSCR loan. The 10-yr Treasury has been moving 15-20bps a week. What is everyone doing?

Replies

2 replies

Marcus R. Mar 9, 2026

My strategy: if I am within 30 days of close I lock immediately. A 20bps move against you on $650k is $86 per month forever.

Arin_B Mar 9, 2026

We offer 45 and 60-day locks as well. Happy to run lock vs float scenarios for your specific situation.