How to Lock in a Mortgage Rate Camillus 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 - Clay Shopping Center/Price Cho
315-652-2136
3863 State Route 31
Liverpool, NY
Bank of America - Kimbrook
800.432.1000
3588 Route 31
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Brown And Brown Inc
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Solvay Bank
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Baritell David
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Citizens Bank - DeWitt
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3600 Brewerton Rd
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Bank of America - Clinton Square
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Clearway Mortgage
315-458-5900
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Northgate Funding CO
(315)476-7017
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SYRACUSE, NY