How to Lock in a Mortgage Rate Rome 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

Bank of America
800.432.1000
911 Cornelia St
Utica, NY
Mohawk Valley Abstract Corporation
(315)798-1178
4 North Park Row
Clinton, NY
Oneida Valley Abstract Corporation
(315)363-1444
Madison County Court
Oneida, NY
Rome Savings Bank - Branch Ofc- West Branch
(315)334-1300
1300 Erie Boulevard West
ROME, NY
Adirondack Private Bank
(315)734-1442
185 Genesee Street
UTICA, NY
Bank of America - Rome
800.432.1000
1714 Black River Boulevard
Rome, NY
The Caldwell Agency Inc
(315)697-2087
Po Box 226
Canastota, NY
Chapman Paul Insurance Agency Inc.
(315)793-1048
1758 Burrstone Rd
New Hartford, NY
Rome Savings Bank Main Office
(315)336-7300
100 West Dominick Street
Rome, NY
NBT Bank - Offices
(315)853-5501
1 Kirkland Avenue Suite 1
CLINTON, NY

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