Lock and Shop

couple being shown a house

Lock and Shop Program

Peace of Mind While Shopping for Your New Home

Protect yourself from unpredictable market swings with our Lock and Shop Program.! It allows you to lock-in mortgage rates for up to 90 days without a contract, so you can shop for the home that's right for you. 

Lock and Shop Program Features:

  • Purchase loan on primary residence only
  • Available on select loan products*
  • Lock-in your rate for up to 90 days
  • Once you find your new home, execute a contract and be sure your closing date is on or before the expiration date of your selected lock period

*Fannie Mae, Freddie Mac, FHA, VA, USDA. Not available for Jumbo or portfolio loans. Must be agency eligible primary residences only. Consult your Guardian Mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval.