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15:["$","p",null,{"className":"mt-6 text-sm text-gray-500","children":"Amounts shown are principal and interest only and do not include taxes, insurance, or PMI. Actual payments will vary based on your specific loan terms."}]
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17:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Understanding Rate Locks"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"A rate lock is an agreement between you and your lender that guarantees a specific interest rate for a set period, typically 30 to 60 days. This protects you from rate increases during the time it takes to process and close your loan."}],["$","div",null,{"className":"mt-8 grid gap-6 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"When to Lock"}],["$","ul",null,{"className":"mt-3 space-y-2 text-sm text-gray-600","children":[["$","li",null,{"children":"When you are comfortable with the current rate"}],["$","li",null,{"children":"When economic indicators suggest rates may rise"}],["$","li",null,{"children":"When you have a signed purchase agreement"}],["$","li",null,{"children":"When your loan officer recommends it based on market conditions"}]]}]]}],["$","div",null,{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"Lock Period Options"}],["$","ul",null,{"className":"mt-3 space-y-2 text-sm text-gray-600","children":[["$","li",null,{"children":[["$","strong",null,{"children":"15-day lock:"}]," Lowest cost, tight timeline"]}],["$","li",null,{"children":[["$","strong",null,{"children":"30-day lock:"}]," Most common for purchases"]}],["$","li",null,{"children":[["$","strong",null,{"children":"45-day lock:"}]," Standard for new construction"]}],["$","li",null,{"children":[["$","strong",null,{"children":"60-day lock:"}]," Extended timeline, slightly higher cost"]}]]}]]}]]}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"Longer lock periods typically come with slightly higher rates because the lender assumes more risk. If your closing is delayed beyond the lock period, you may need to pay a fee to extend the lock or accept the current market rate, whichever is more favorable depending on your lender policies."}]]}]}]
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