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) 544-0020
674 Titus Ave
Irondequoit, NY
Bank of America - Northgate
800.432.1000
3800 Dewey Ave
Rochester, NY
Allstate Insurance Roohi Haroon
(585)244-8670
2140 Clinton Avenue South
Rochester, NY
Premium Mortgage Corporation
(585)241-0000
1675 Monroe Avenue
ROCHESTER, NY
Citibank (New York State)
(800)934-1609
28 Main Street E
ROCHESTER, NY
HSBC Bank
1.800.975.HSBC (4722)
In The Ridge-Culver Plaza 2255 Ridge Rd East
Rochester, NY
Citizens Bank - Buffalo Rd/Tops
585-247-5670
2345 Buffalo Rd
Rochester, NY
Boughnerrabideau Agency
(716)594-9494
4390 Buffalo Rd
North Chili, NY
Mr. Gregory Lee Schaffer (RFC®), CFP
585-621-3300
3205 Mount Read Blvd.
Rochester, NY
Freedom Mortgage
(585)383-5516
70 Linden Oaks
ROCHESTER, NY
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