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 - Liverpool
315-622-1294
7541 Oswego Road
Liverpool, NY
Bank of America - Kimbrook
800.432.1000
3588 Route 31
Baldwinsville, NY
Monroe Title Insurance Corporation
(315)252-0962
128 Genesee
Auburn, NY
Stewart Title And Insurance Co
(315)474-5263
Courthouse
Syracuse, NY
The Mortgage House
(315)253-3239
7 William Street
AUBURN, NY
HSBC Bank
1.800.975.HSBC (4722)
Syracuse University 1004 E Adams St.
Syracuse, NY
Bank of America - Fulton
800.432.1000
707 S. Fourth St
Fulton, NY
Bank of America - Lyndon
800.432.1000
6801 E. Genesee St
Fayetteville, NY
Seneca Federal Savings And Loan Association
(315)638-0233
35 Oswego Street
Baldwinsville, NY
Lazarski Worbel And Adydan
(315)488-5051
1607 West Genesee Street
Syracuse, NY

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