August 8, 2006 borrower (Jennifer L Guerrini) obtained a equity reserve line of credit in the amount of 154,000 interest only for seven years at a rate of 7.25. It was a 6 month introductory rate. It was explained that the rate could be located locked prior to 6 months expiration. If this was not locked the loan interest rate would be prime plus one point. While at title company location (at the time of closing) I had expressed my concern about the potential increase and asked to call my loan officer (Carlos Gomez ). I called him to again to explain the terms and he again indicated I just need to lock the rate prior to 6 months. I tried to lock the loan on several occasions with Carlos assistant Tricia (732-381-8628) and they would not allow me to do this. They told me they could value this agreement with Carlos's consent. However, he left (on bad terms) the company one month after my closing. Therefore, I was out of luck. My current increased rate since February 2007 has been 9.25. Can you help me?