After your loan is submitted for processing before the final closing documents are drawn, you can “lock in” your interest rate and discount point structure with Southside Bank. A Southside Bank Mortgage representative will contact you once your application has been received.

Important: Please give careful consideration to the timing of your lock request. Unfortunately, if interest rates decline after your lock has been confirmed, Southside Bank cannot renegotiate your lock. You should only lock a rate when you are certain that you are comfortable closing your loan at that rate and within the designated period of time, just as Southside Bank has agreed to honor your rate if rates increase.