When you are negotiating a closing date and you can get to a closing date that is WITHIN 30 days, DO IT! This is the surest way to make sure that your rate is the best rate you will be able to get.
If the closing is within 45 days and you WANT to lock your interest rate, the rate will be approximately .125% higher (about $15/month higher in payment than a 30 day lock).
Here is a great article about why it pays to be smart about your closing date.
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