Some lenders will allow you to lock your loan with the pre-approval in the beginning of the loan process.  Other lenders will only allow you to lock your loan when the loan is clear to close.  With such a variety of lenders it is best to say each deal is case sensitive.  Your CMI Commercial Investment Loan Officer will advise you when you can lock your loan.  Don’t be afraid to ask questions. That is why you are dealing with experts.