Loan consultant says to do a 30 Day lock on mortgage we have to be about 20 days from our closing date?

This doesn’t make sense to me. We close in 31 days, shouldn’t we be able to lock a 30 day rate, at the beginning of next week? I worry that rates are on the rise and don’t want it to increase if it doesn’t have to. She said we can do a 45 day lock now which is higher rates however….

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