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MLK Holiday - Operations and Lock Desk Hours

January 14, 2016

The Lock Desk at Carrington Mortgage Services will be closed Monday, January 18, 2016 in observance of Martin Luther King Day, which is a Federal Holiday. Normal Lock Desk hours will resume on Tuesday, January 19, 2016.
Carrington Mortgage Services (CMS) offices will be open normal business hours.
Locks that expire on the holiday will automatically roll to the next business day.
In addition, there are some important disclosure considerations associated with the holiday:

  • Monday, January 18, 2016 cannot be included in the rescission period for refinance
  • Monday, January 18, 2016 cannot be included in the seven (7) business day waiting period between the date the initial TIL was provided to consummation
  • When re-disclosure of the TIL is required, Monday, January 18, 2016 cannot be included in the three (3) day business waiting period between the date the revised TIL was provided to the borrower and the consummation of the loan

Issues related to locks should be sent via email to


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Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00

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