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How long can a rate be locked Historically lenders have locked in rates for 30 to 60 days After that the borrower might have to pay a fee to extend the rate lock The extension can be for 90 days to as many as eight months depending on the lender.

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This week's rate is 036 percentage points lower than the 52-week average The 15-year fixed-rate mortgage fell to 237 percent from 239 percent The 51 adjustable-rate mortgage rose to 21 percent from 279 percent The 30-year fixed-rate jumbo mortgage fell to 339 percent from 342 percent.

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