How to Lock in a Mortgage Rate Troy 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 - Delmar
518-439-0102
180 Delaware Avenue
Delmar, NY
Nationwide Insurance
(800)569-3719
950 New Loudon Rd
Latham, NY
JDS Mortgage Ltd
(518)664-2442
46 North Main
MECHANICVILLE, NY
Flaherty Funding Corp
(518) 724-1720
1086 New Loudon Rd Ste 101
Cohoes, NY
Bank Of America Na Charlotte
(800) 233-4601
69 State St
Albany, NY
Citizens Bank - Empire Plaza NY
518-434-4186
Concourse Level
Albany, NY
M And T Bank Banking Departments M And T Mortgage Corporation Northway
(518)877-3500
10 Executive Park Drive
Clifton Park, NY
Consumer Marketing Services Inc
(518)395-9492
510 State Street # 514
Schenectady, NY
Executive Mortgage Group Inc
(518)489-8850
3 Marcus Boulevard
ALBANY, NY
Freedom Mortgage Corporation
(518) 664-8800
17 Johnson Rd
Mechanicville, NY

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