Rate locks are a way of protecting from a possible rise in interest rates during the processing of your loan. You can lock your rate up to any period needed to complete your transaction. Generally speaking, if you choose to lock for an extended period of time, the cost of the loan increases.

When a rate is "locked", the lender is being asked to guarantee the interest rate. A longer lock period means more risk to the lender and so the borrower is charged a higher loan price in the form of points.

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock."

Due to market fluctuations, interest rates are subject to change daily. In order to obtain a specific rate/point combination you must "lock in" your rate by speaking to your loan consultant or loan counselor. When you choose to lock-in the interest rate, you select the current rate and point combination for a particular product. You are locked into that rate as long as your loan closes by the predetermined expiration date.

Locking-in” a rate is a process in which a lender guarantees a borrower a specific rate for a certain period of time, even if rates fluctuate during that period. At Gershman Mortgage, you can “lock-in” a rate for up to 270 days. When “floating” a rate, the borrower chooses to allow their rate to fluctuate with the market from the time of the application until the closing.

A rate lock is a lender’s guarantee for a certain period on an interest rate. The time is usually between loan application and loan closing.A longer lock-in period may mean higher costs to the borrower, in interest rate or points or both.

There are many options available for lengths of time to locking in a rate. These depend on your need for convenience, and your security and protection. The least amount of lock time, the lower the cost. Commonly priced in 15-day increments, (15, 30, 45, 60, etc.) the pricing difference is usually an extra 0.125 to the points per additional 15 days. For example, if the loan points for an interest rate of 7.5% were 1.0 at a 15-day price, then to secure that same rate for 45 days, they would be 1.

If someone attempts to login incorrectly for a given account three times, that user’s account will be locked out until reset.

A. We recommend watching the market and consult with your Loan Officer. Please note that a lock can not be changed once you select your product and rate, so we ask that you be certain of your request.

We are trying to break the "dot com" mold. Of the thousands of products we have sold to consumers, we have only had a realative handful of returns. We will do everything possible to make our customers happy. We offer a 30 day money back guarantee if a customer is not satisfied for any reason whatsoever. To date, this has been less than 2 percent of all of our customers.

To put a lock on your domain means that the domain registration cannot be transferred. It also means that any request to alter the domain's name servers, contact information, and ownership will not be completed.

When you "lock-in", your lender will guarantee the interest rate on your mortgage for a limited period, regardless of the current market rates. This option usually is done for a fee. If you are concerned that rates may rise before your closing date you may want to "lock-in".

Loans are priced based on delivery. A loan that will close in 10 days will be better priced than a loan that would close in 60 or 90 days, due to the uncertainty of interest rates. We can lock in your loan and guaranty it until closing based on commitments issued by some of the largest mortgage lenders in the country. We offer free loan locks up to 45 days! Please e-mail us or contact a loan officer to discuss rate locks in conjunction with your application.

We are trying to break the "dot com" mold. Of the thousands of products we have sold to consumers, we have only had a handful of returns. We will do everything possible to make our customers happy. We offer a 30 day money back guarantee if a customer is not satisfied for any reason whatsoever. To date, this has been less than 0.8 percent of all of our customers.

Control rate is the effectiveness in reducing or preventing the spread of the disease. For example if the control rate is 80% then in 80% of the cases the radiation oncologist is able to reduce or prevent the cancer from spreading to other parts of the body. 80% is the same as saying that they are able to control the disease in 8 out of every 10 patients. This is only an example. You are encouraged to discuss this with your radiation oncologist. RETURN TO TOP OF PAGE

The survival rate is a historical statistic that measured people with the same type of cancer utilizing conventional treatment. For example, according to the National Institute of Health, National Cancer Institute, the 5 year survival rate for thyroid cancer during 1980 to 1993 was 94.6%. This means that 94.6% of the people who had thyroid cancer between 1980 and 1993 and were treated with conventional treatment were alive 5 or more years later. 94.