How to Lock in a Mortgage Rate Amsterdam NY

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.

Local Companies

Citizens Bank - Halfmoon / Wal-Mart
518-373-2339
1549 Route 9
Halfmoon, NY
Bank of America - Five Corners
800.432.1000
345 Princetown Rd
Rotterdam, NY
Berkshire Bank
518-348-6523
Clifton Park, NY
Irwin Mortgage
(518)348-4056
21 Corporate Drive
CLIFTON PARK, NY
Gateway Funding Diversified Mtg Srvs Lp
(518) 852-9191
1 Fairchild Sq Ste 101
Clifton Park, NY
Citizens Bank - Clifton Park
518-371-0290
1 Municipal Plaza
Clifton Park, NY
Citizens Bank - Johnstown
518-762-3117
17 S. Market Street
Johnstown, NY
Consumer Marketing Services Inc
(518)885-0437
20 Church Avenue
Ballston Spa, NY
C T X Mortgage Company
518-347-1383
Schenectady, NY
Aamtrust Mortgage
(518)384-2274
763 Saratoga Road
SCHENECTADY, NY

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