How to Lock in a Mortgage Rate Shirley 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

Worldwide Title Agency Inc
501 West Main
Patchogue, NY
P. O. BOX 449
Mr. Richard A. Fallica (RFC®), CEP
631 979 6161
P.O. Box 728
Smithtown, NY
Old Stone Capital Corporation
191 Islip Avenue
American Mortgage Express Corporation
100 Corporate Plaza
Capital One
160 Main Street
Sayville, NY
Budget Brokerage Rvrhead
1186 East Main Street
Riverhead, NY
Mr. Albert F. Coletti (RFC®), CHFC, CLU
631 979 6161 x102
P.O. Box 728
Smithtown, NY
Priority Funding
170 East Main
Bridgewater Mortgage
577 Main Street
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