1) When do you lock in the interest rate? Is there a charge to lock it in? How long is the lock in? (number of days)
2) What happens if rates go down, after you are locked in? Can you get the lower rate.

I am a Realtor in S. California.

Kudos to you for participating in blog action day.

I decided to write a belated post of my own about an environmental issue that might strike a cord with some of your readers:

Brazilian teak hardwood floors, slave labor, and the destruction of the rain forest.

You can find it at:
http://www.realestatetwincities.net/blog/

Anything that you can do to help promote awareness of this issue will be deeply appreciated.

Keep up your good work.

Thank you!