# Rate Lock Expiry Versus Closing Date Review

Compare the rate lock expiry against the scheduled closing date before relying on the quoted rate.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Rate quote, lock expiry date and closing date.

## Workflow
1. Record the lock expiry and the quoted rate.
2. Compare expiry against the scheduled closing date.
3. Flag a closing date past the lock expiry.
4. Return the review without a borrowing recommendation.

## Output contract
quote | rate | lock_expiry | closing_date | days_covered | expired_before_close | recommendation_unproved

## Fictional acceptance test
Fictional quote locks the rate for 30 days while closing is scheduled day 34. The quoted rate only holds if the lock extends; comparing monthly payments on the locked rate assumes coverage that ends 4 days early.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/

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