Not locking, waiting for a better rate, or waiting for rates to ‘go down’ on average cost consumers more than it benefits them. Kind of like gambling, only with the biggest cost to manage the largest financial asset you own.
Look, no Vetted VA Lender in here will allow this to happen. Vetted VA Originators are like shooting coaches spotting and telling you when to pull the trigger and any adjustments needed to impact the desired target. Even sniper teams are in 2’s: 1 shooter and 1 spotter.