How to Lock in a Mortgage Rate Mastic 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

JOSEPH CONBOY
P. O. BOX 449
SHOREHAM, NY
Mr. Richard A. Fallica (RFC®), CEP
631 979 6161
P.O. Box 728
Smithtown, NY
Ulster Savings Bank
(631)369-2333
633 East Main Street
RIVERHEAD, NY
Aliano Confidential Business Brokers
(631)744-5000
970 Route 25A
MILLER PLACE, NY
Teachers Federal Credit Union
(631) 698-7000
2410 N Ocean Ave
Farmingville, NY
Chase Bank
(631) 751-8846
430 Route 25a
East Setauket, NY
Mr. Albert F. Coletti (RFC®), CHFC, CLU
631 979 6161 x102
P.O. Box 728
Smithtown, NY
Aapex Mortgage
631-580-1063
Holbrook, NY
Long Island Home Mortgage
(631)724-9010
700 Veterans Highway Suite 210
HAUPPAUGE, NY
1st Capital Mortgage
(516)622-0500
1324 Motor Parkway
ISLANDIA, NY
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