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

Tristate Examiners Inc
(631)584-3045
4 Timothy Lane
Saint James, NY
Mr. Albert F. Coletti (RFC®), CHFC, CLU
631 979 6161 x102
P.O. Box 728
Smithtown, NY
Washington Mutual - Bank Locations- Yaphank
(631)924-4500
128 Main Street
YAPHANK, NY
Nations Financial
(631)863-3300
738 Smithtown Bypass
SMITHTOWN, NY
Countrywide Home Loans
(631)273-1470
100 Motor Parkway
HAUPPAUGE, NY
Paradise Brokerage
(631)698-6618
3632 Route 112
Coram, NY
JOSEPH CONBOY
P. O. BOX 449
SHOREHAM, NY
Mr. Richard A. Fallica (RFC®), CEP
631 979 6161
P.O. Box 728
Smithtown, NY
Trinity Funding Corp
(631)244-4500
113 Railroad Av
SAYVILLE, NY
Evergreen Mortgage
(631)650-0600
2805 Veterans Memorial Hw
RONKONKOMA, NY
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