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To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by calling 877.303.1639, by applying online, or by meeting with a mortgage loan officer.
There are mortgage banks, mortgage brokers, and online mortgage sources.. As a customer of a credit union or bank, there's a good chance you'll see a reduction in. That means the bank has no control over loan rates.
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