How to Lock in a Mortgage Rate Depew 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

HSBC Bank
1.800.975.HSBC (4722)
Corner Delaware & Mohawk 135 Delaware Ave
Buffalo, NY
Citizens Bank - Broadway-Bailey Tops
716-897-1243
1770 Broadway
Buffalo, NY
Evchich Dennis Agency Inc
(716)875-7576
826 Tonawanda
Buffalo, NY
Wells Fargo Financial
(716)685-8006
3735 Union Rd Ste 740
BUFFALO, NY
American Home Loans
(716)667-3733
3959 N. Buffalo Road
ORCHARD PARK, NY
HSBC Bank
1.800.975.HSBC (4722)
Amherst & Tonawanda St 201 Amherst St
Buffalo, NY
HSBC Bank
1.800.975.HSBC (4722)
Main & Harlem 4467 Main St
Snyder, NY
Bank of America - Payne Ave
800.432.1000
1012 Payne Ave
North Tonawanda, NY
Jerome Walters Agency
(716)833-8500
3871 Harlem Rd
Buffalo, NY
Robar General Funding Corporation
(716)648-2950
6308 Boston State Road
HAMBURG, NY