Do rate locks automatically extend or do we have to sign them off

[Blair Murphy]

Hi,

My rate lock with Cardinal Financial is due to expire April 8th. Overall, this cash-out refi just doesn't feel right at this point and I don't want to be charged 0.125% for a 7 day extension. Does this charge usually get auto-extended or will I need to sign-off on anything stating I do not want to move forward? Cardinal has been OK but they're a bit difficult to get responses from...they will email with requests for documents but in my experience with them over the past couple of weeks, when I have a question, nobody replies. I'll even have to ask them to "address the question in the previous email" before I answer any of their questions which I found to be a bit ridiculous. I've contacted everyone at Cardinal that I've dealt with via email to let them know my wishes but haven't heard back and I don't want to see a charge on my credit card for an extension I don't want.

Thanks!