When is the rate lock official - refinanceAfter I provided my paystubs, banking/checking statements, etc. BoA e-mailed and confirmed my rate lock on my refinance. When I started this process near the end of November '10, my supposed rate lock was just over 4.5% and rates have steadily ticked up to just over 5.2%. However, I have not seen any charges on my credit card for the appraisal fee or for the credit report fee. I have been told by phone that my mortgage was currently being reviewed by the underwriters. How can I even tell if there really is anything in process at this moment? Should I be shopping with other lenders just in case? I'm not getting responses from my e-mails to my mortgage officer. I can't imagine that e-mail could/would serve as proper documentation in case of a dispute that my lock was "confirmed". Does anyone know?December 18 2010 - Arlington00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.