Up until Monday July 30th when new transactions were registered with CBC Mortgage Agency, the LE provided for the secondary financing was a locked LE. Since our Conventional second mortgage rate is determined by the first mortgage interest rate, our systems have been updated to prevent a locked LE from being generated on the secondary financing for Conventional registrations until AFTER the first mortgage rate has been locked. This means that when you register your Conventional transactions with CBC Mortgage Agency, you will not receive a locked LE until after the first mortgage is locked. That may require you to disclose two LEs (an initial and a locked LE) on the secondary financing behind a Conventional loan. There has been no change to the FHA registrations.