do not have a lock rate agreement, but loan officer emailed me stating "complete loan application within 24 hours to lock in rate"

I need more information where are you on the process of the loan app? appraisal ordered , contract accepted ? lindaonthego@outlook.com

Unfortunately, that is not a "binding" rate lock agreement.. He's merely stating that the rate cannot be locked in until you apply and they have sufficient time to review your application and supporting documentation.. I'm the preferred Lender here in Scottsdale AZ, and Arizona and California is my primary market. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893