Abstract: Systems and methods are disclosed for enabling a borrower to rate lock a line of credit. An offer to rate lock at least a portion of the borrower's line of credit may be presented to the borrower. The rate lock offer may include converting an advanced amount, and/or an amount that is available to be advanced, from the borrower's line of credit to a fixed rate loan having a fixed interest rate, a fixed loan duration, and/or a fixed payment schedule. After the borrower has accepted the offer, the rate lock may be executed. The disclosed embodiments may enable the borrower to electronically obtain the rate lock without any human intervention.