Extended rate lock periods don't come for free, though. Lenders aren't really interested in giving away long mortgage locks when everything points to increased

Extended rate lock periods don't come for free, though. Lenders aren't really interested in giving away long mortgage locks when everything points to increased rates over the year. You generally pay for it one way or another. If you're discussing builder financing: New in-progress construction loans are different than traditional mortgages. Not everybody plays in that space.