How to Lock in a Mortgage Rate Ithaca 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

Albanese Frank Attorney
(607)272-5212
401 East State Street Gateway Center Ste 403
Ithaca, NY
M & T Bank - M & T Mortgage Corporation
(607)273-7111
118 North Tioga Street
ITHACA, NY
Guardian Loan Company of Massapequa Incorporated
(607)277-6269
1001 West Seneca Street
ITHACA, NY
Atlantic Mortgage Banking
(607)273-1602
320 North Aurora Street
ITHACA, NY
Evolve Bank & Trust
(607) 319-4668
200 E Buffalo St Ste 301A
Ithaca, NY
HSBC Bank
1.800.975.HSBC (4722)
Across From Ithaca Mall 2315 N Triphammer Rd
Ithaca, NY
The First National Bank of Groton
(315)497-2200
41 South Main Street
MORAVIA, NY
M & T Bank - Banking Departments- M & T Mortgage Corporation
(607)756-4187
1091 State Route 222
CORTLAND, NY
Cornell Fingerlakes Credit Union
(607)257-8500
1030 Craft Road
ITHACA, NY
Alliance Bank NA - Community Branch Locations- Groton Avenue Office
(607)753-3391
1125 State Route 222
CORTLAND, NY

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