Holiday Lock Desk Hours

During the holiday season Carrington Mortgage Services, LLC (CMS) will observe the following schedule:

• Friday, December 22, 2017 – MLD open regular business hours
• Monday, December 25, 2017 – Closed for the Christmas holiday
• Monday, January 1, 2018 – Closed for New Year’s Day holiday

The Lock Desk will be closed December 25, 2017 and January 1, 2018 which are Federal holidays.  Due to the holidays, the Lock Desk will be closing early on Friday, December 22, 2017 and Friday, December 29, 2017 at 10:00 AM PST.  Normal Lock Desk hours will resume December 26, 2017 and January 2, 2018.
Rate Locks that expire on the holidays will automatically roll to the next business day.  In addition there are some important disclosure considerations associated with the holidays:

• Monday, December 25, 2017 and Monday January 1, 2018 cannot be included in the rescission period for refinances.
• Monday, December 25, 2017 and Monday January 1, 2018 cannot be included in the seven (7) business day waiting period between the between the date the initial Loan Estimate (LE) was provided to the borrower and the consummation of the loan.

Issues related to locks should be sent via email to lockdesk@carringtonms.com.