Rate-movement sensitivity
Holiday rate-impact calculator
See how a hypothetical rate movement during a holiday or delayed-lock period could change payment and five-year cash flow.
Planning estimate
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How this estimate works
Applies the hypothetical basis-point change to a 30-year fixed-rate payment and shows the five-year payment difference. Markets can move up or down; a holiday does not itself cause a specific rate change.
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Before you act on the result
This tool is educational and does not evaluate credit, income documentation, assets, reserves, property eligibility, program limits or current pricing. It is not an approval, rate quote, commitment to lend or Loan Estimate. Use current lender terms and verified property information for a real decision.
Frequently asked questions
Do holidays automatically raise mortgage rates?
No. The tool only measures sensitivity to a hypothetical market move during a delay.
What is a basis point?
One basis point is 0.01 percentage point, so 25 basis points equals 0.25 percentage point.
Should I lock solely because of a holiday?
No. Lock timing should reflect closing certainty, market risk, available terms and your tolerance for payment changes.
Accuracy and licensing noteProgram details vary by borrower, property, location and date. Confirm current LMCU terms, property-state availability, licensing and eligibility before making a financing decision. All loans are subject to credit and property approval.
A clear next step
Your situation deserves more than a generic answer.
Talk through the numbers, timing and tradeoffs with Matt before you commit.