06/10/2026
🧠TRIVIA ANSWER🧠:
The answer is… D — Up to 6 months prior to closing ✨
With many new construction loans, buyers may have the option to lock their interest rate up to 6 months before closing through an extended rate lock program.
However, there’s usually a difference in cost depending on the timing:
• 60–90 day rate locks are often available at no additional charge
• Longer-term rate locks may be available, but typically come with an additional fee
Every lender and loan program is different, so it’s always best to discuss your options with your lender early in the building process!
Special thanks to Stephanie & Brandon Bevard with for these tips.