How to Choose a Mortgage Broker Oneonta NY

Buying a house can be a daunting task, and for a first time borrower you might not know all the ins and outs that are involved in taking out a home loan. A mortgage broker can help - they are the professionals that match your needs with a home loan from a selection of lenders. But it's important to choose the right broker - one who is knowledgeable, accredited, and covers a wide range of lenders.

Local Companies

Citizens Bank - Oneonta/Price Chopper
607-433-0713
1000 Main Street
Oneonta, NY
Mang Cooperstown
(607)547-2575
133 Chestnut St
Cooperstown, NY
Oneonta Abstract Corporation
(607)432-2210
111 Chestnut Street
Oneonta, NY
National Bank Of Delaware County Main Office
(607)865-4126
133 Delaware Street
Walton, NY
Leatherstocking Region Federal Credit Union
(607)547-5700
24 Glen Ave
COOPERSTOWN, NY
Citizens Bank - Unadilla
607-369-9300
191 Main Street
Unadilla, NY
Nbt Bank Offices
(607)547-9971
62 Pioneer Street
Cooperstown, NY
Delaware Abstract Corporation
(607)746-2280
122 Main Street
Delhi, NY
Dte
(607)988-2206
Route 2 Box 139f
Otego, NY
Wilber National Bank - Area Offices- Delhi
(607)746-2162
Sherwood Road
DELHI, NY

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OK. You've spent weeks, maybe months shopping around for a mortgage--filling out forms on the internet, waiting on hold on the phone, dropping off paperwork at the local office--but you've finally found a great interest rate with low upfront costs. Then, right before the closing, you get an unwelcome surprise: the interest rate has gone up, or you'll have to pay thousands more in points. How did that happen? While there's no shortage of unscrupulous lenders who try to pull the old bait-and-switch, there are also legitimate reasons why the terms of a mortgage may change from the time you get your quote to the time you're actually ready to buy. You can avoid the surprises, however, with a rate lock-in, also called a rate lock or rate commitment. Here's how.
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