I want to thank Manuel De La Torre for my loan at FPCU. I would definitely suggest anyone who is looking for a good interest rate to call FPCU. Although there is no rate lock until the final contract from Tesla, it worked out great in my instance as I still was able to get 2.24% after I sent the final contract over. Manuel was very responsive to any questions I had and extremely professional. He was a pleasure to work with. You may reach Manuel at: [email protected] I know the lack of a rate lock can provide a sense of discomfort, but in my anecdotal instance, it worked out perfectly and I saved 1.5% over my local credit union.