How to Lock in a Mortgage Rate Hilton 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

Chase Bank
(585) 723-6092
358 Greece Ridge Center Dr
Rochester, NY
Citizens Bank - S. Clinton Ave/Tops
585-442-2090
1900 Clinton Avenue S.
Rochester, NY
Mr. Gregory Lee Schaffer (RFC®), CFP
585-621-3300
3205 Mount Read Blvd.
Rochester, NY
National City Mortgage
(716)389-6182
190 Linden Oaks Drive
ROCHESTER, NY
All Fund Mortgage
(585)235-1303
1250 Scottsville Road
ROCHESTER, NY
HSBC Bank
1.800.975.HSBC (4722)
Wegmans Plaza 4707 Lake Rd
Brockport, NY
Chase Bank
(585) 258-5888
1 Chase Square
Rochester, NY
Xerox Federal Credit Union Restricted Access Webster
(585)787-3400
800 Phillips Road
Webster, NY
Devere Capital Corporation
585-263-3370
Rochester, NY
Mortgageit
(585)581-1100
1577 Ridge Road West
ROCHESTER, NY
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