Your lender has to disclose your final interest rate again only if it changes. After you applied for a mortgage, you should receive a Good Faith Estimate (GFE) that indicated the interest rate the GFE was based on. If you locked your interest rate, your lender must honor that rate, unless the rate lock expires.

If your lender raises your interest rate above your locked in rate and the rate lock has not expired, you should ask for an explanation. Before signing, make sure the settlement agent, lender, or broker is permitted to change the rate and only sign if you are sure you can pay the higher payments on the loan.