How to Lock in a Mortgage Rate New Hartford 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

Citizens Bank - Utica Downtown
315-797-2150
266 Genesee Street
Utica, NY
Leatherstocking Abstract And Title Corporation
(315)866-6503
Po Box 606
Herkimer, NY
James P
(315)336-2810
8181 Turin Road
ROME, NY
First Source Federal Credit Union
(315)866-2940
510 West State Street
HERKIMER, NY
Adirondack Private Bank
(315)734-1442
185 Genesee Street
UTICA, NY
Citizens Bank - Utica / Wal-Mart
315-724-8780
710 Horatio St
Utica, NY
Bank of America - Whitestown
800.432.1000
34 Oriskany Boulevard
Whitesboro, NY
Partners Trust Bank
(315)768-3000
150 Central Avenue
ILION, NY
J C Mortgage
(315)733-9733
224 Fayette Manlius
UTICA, NY
Adirondack Bank
(315)736-6169
135 Oriskany Street West
UTICA, NY

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