If your rate is locked in and the lender is not willin to honor the terms and you are pressed to close escrow but have to accept a higher rate due to time constraints, I suggest that you consult with a real estate attorney as to your options.My gut feeling would be to close escrow under the new terms under protest and then make a claim against the lender to re-write the loan at its cost. If it will not under the original locked in terms, your recourse is to file suit against the lender.