How to Lock in a Mortgage Rate Oneonta 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 - Oneonta/Price Chopper
607-433-0713
1000 Main Street
Oneonta, NY
The Colonial Agency Inc
(607)547-5322
169 E Main St
Cobleskill, NY
Barry Scott Insurance
(607)432-5763
34 Main Street
Oneonta, NY
Wilber National Bank - Area Offices- Delhi
(607)746-2162
Sherwood Road
DELHI, NY
Leatherstocking Group Inc
(607)547-5007
21 Railroad Avenue
COOPERSTOWN, NY
Citizens Bank - Hartwick
607-293-6611
3092 County Highway 11
Hartwick, NY
Nbt Bank Offices
(607)547-9971
62 Pioneer Street
Cooperstown, NY
Wilber National Bank Area Offices Delhi
(607)746-2162
Sherwood Road
Delhi, NY
Dte
(607)988-2206
Route 2 Box 139f
Otego, NY
NBT Bank
(607)965-8636
1 West Street
EDMESTON, NY

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