How to Lock in a Mortgage Rate Delmar 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

Bank of America - 500 State Street
800.432.1000
500 State St
Schenectady, NY
Hudson River Mortgage
(518)389-4100
1973 Western Avenue Suite 9
ALBANY, NY
Household Finance CO
(518)374-0826
2330 Watt Street
SCHENECTADY, NY
First Saratoga Funding Inc
(518)877-7985
258 Ushers Road
CLIFTON PARK, NY
Axiom Capital
(518)472-4000
90 State Street Suite 1411
ALBANY, NY
Citizens Bank - North Troy / Hannaford
518-238-0485
9 126th St
Troy, NY
Legacy Land Title Llc
(518)371-8166
56 Clifton Country Rd
Clifton Park, NY
Hudson River Bank & Trust Company
(518)432-4274
41 State St
ALBANY, NY
GMAC Mortgage
(518)220-9243
950 New Loudon Road Suite 4
LATHAM, NY
Credit One Mortgage CO
(518)371-4002
23 Executive Park Drive
CLIFTON PARK, NY

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