# Rate lock conversation card

**Mortgage Dorks Season 1**
**Course:** The Glossary - Learn the Language
**Lesson:** Rate Lock Mechanics
**Format:** Script

## Use This For

Make rate locks understandable without turning the lesson into a quote or pricing promise.

## Artifact Contents

- What is locked: rate/pricing terms under lender rules.
- How long it lasts.
- What could change it.
- What extension or float-down language is allowed by company policy.
- What not to promise.

## How To Use It

- Rewrite a lock explanation with no rate quote and no float-down promise.

## Guardrail

Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.