How to Compare Mortgage Programs Orchard Park NY

To compare mortgage programs you need to look at the APR. What is an Annual Percentage Rate (APR)? The annual percentage rate (APR) is an interest rate that is different from the note rate. It is commonly used to compare loan programs from different lenders. The Federal Truth in Lending law requires mortgage companies to disclose the APR when they advertise a rate.

Local Companies

Bank of America - Elmwood
716.881.2915
495 Elmwood Avenue
Buffalo, NY
Citizens Bank - Liberty / Main Street
716-855-2532
414 Main Street
Buffalo, NY
Bank of America
800.432.1000
5712 Main Street
Williamsville, NY
Allstate Insurance Annette K. Winder
(716)649-0325
5555 Camp Rd
Hamburg, NY
Associates Mortgage Company of New York Inc - West Seneca
(716)674-4948
1102 Union Road
BUFFALO, NY
HSBC Bank
1.800.975.HSBC (4722)
Transit Rd Near Casey Rd 6525 Transit Rd
East Amherst, NY
Citizens Bank - George Urban Plaza
716-681-8902
2040 George Urban Blvd
Depew, NY
Bank of America - Harlem Rd
800.432.1000
3842 Harlem Road Suite 1500
Cheektowaga, NY
Associates Mortgage Company Of New York Inc Tonawanda
(716)447-1678
2167 Sheridan Drive
Buffalo, NY
Cross State Funding Corporation
(716)691-7000
455 Commerce Drive
BUFFALO, NY

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Over the course of a 30-year mortgage, you may end up paying more than twice the amount of your principal. The rest goes towards paying interest. That interest is money in the bank's pocket, not in your bank account. Prepaying your mortgage is paying extra principal, especially during the early years of your loan, meaning that your house will be paid off that much sooner, and you will pay less total interest over the life of the loan. It could put you that much closer to retirement.
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