Paying a fee to lock my Interest Rate

[Juan Lopez]

Hello all:

As you all probably have already seen, interest rates have gone up in the recent weeks. Im in the process of getting a new property. Im getting it with a  conventional loan. However, I got a called today saying that I had to pay a fee to lock that interest rate. I had no other option due to my debt ratio. Now, I dont understand why they say my debt ratio has worsen when nothings has really changed. This is my second property I buy. I didnt have to pay anything to lock my interest rate on that first property. They say that I have to pay nevertheless, now or later. It could be more or it could be less. What are yalls thoughts? any feedback is appreciated.