Rate Lock Extension on an Arizona Refinance 2026: What It Costs If Your Loan Runs Late

Published on: 09/16/2026

Extending a rate lock on an Arizona refinance runs 0.125 to 0.375 points, about $500 to $1,500 on a $400,000 loan. Letting it expire triggers worst case pricing, which costs far more. Pillar Mortgage Group, NMLS #2700076

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Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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