Ditto here treehugger. I’m pretty sure I went beyond the 60 day lock but still got a great rate with no penalties. Got 2.625% (APR 2.691%) on a 15 year but the closing company lost the check I gave them for the closing fees. Very drawn out with little to no communications unless I initiated, by the way I guess they finally found the check as it did clear 1 day before closing. So for those of you thinking about it google/yelp the companies first, I did it after the fact and found other people had similar issues. Will not recommend either company I dealt with although they did finally get it done I guess.