Two separate questions are bundled here, so take them one at a time. First, was locking the right call? If you were nearing closing and wanted certainty, locking removed the risk of rates moving against you, and that matches our default: most people would rather lock and be a little wrong than float and be a lot wrong. Once you are locked, the healthiest thing is to stop watching the daily wiggle. You made a decision with the information you had, and nobody can promise where rates head. Second, and more useful going forward: with a 670 FICO you face credit-based pricing adjustments, so your rate carries an add-on compared with top-tier credit. A locked rate may also have points baked in, so the real question is what you paid to get it. We would want to see the Loan Estimate (rate, points, and fees together) to judge whether it was priced fairly. The caution we flag most is paying up for a vanity rate. We have seen a borrower pay a full point (around $8,000 on a sizable loan) to shave the rate by an eighth, saving roughly $40 a month, a break-even measured in many years. Always ask to see the near-zero-point option alongside the bought-down one. Send us the Loan Estimate and we will tell you where you stand. The rates and dollars here are illustrative.