Phase 8
Get the loan locked in and the number confirmed
Two things have to line up here: the bank's opinion of the home's value, and the final approval of your loan. Here's how both work.
Why your lender needs an independent opinion of the home's value.
Your options when the bank's number doesn't match the contract price.
Why timing your rate lock matters, and what it costs to wait.
What underwriting actually checks before issuing your clear-to-close.