Rate Lock Policy

Rate Lock Hours

RATE LOCK HOURS 30 day lock requests will be accepted from the time we post rates on our website until 4:00 PM PST/PDT Monday through Friday excluding weekends and holidays. All rates and points are subject to change without notice.
What We Require
In order to be eligible to lock a loan, we must acknowledge and be in receipt of a complete application sent from our secure website, a rate lock agreement signed by the borrower, and all of the initial required documents itemized in the Required Documents section of our website. Unlike most companies, we do not require that you be approved in order to lock in an interest rate. On a purchase transaction, we do require that you show proof that you have a home under contract.
Losing Your Lock/Failure To Comply
American Interbanc reserves the right to cancel or modify the duration of a rate lock for the following reasons:
  1. If at any time the borrower has not provided any documents we have requested within 48 hours of our request.
  2. If at any time the borrower has delayed the process by failing to comply with appointments.
Confirmation of Lock
Lock requests are executed immediately upon receipt. The borrower should consider his lock confirmed only upon receipt of a letter signed by an authorized representative of American Interbanc Mortgage, LLC.
Volatile Market Conditions
American Interbanc reserves the right to suspend lock requests on any business day that market conditions prohibit our ability to execute a lock.


American Interbanc Mortgage, LLC
4 Park Plaza, Suite 100
Irvine, CA 92614
Toll Free: 800-724-0004
Fax: 714-957-9433
E-mail: info@americaninterbanc.com
Copyright © 1998 American Interbanc Mortgage, LLC