How to Lock in a Mortgage Rate Utica 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 - Whitestown
800.432.1000
34 Oriskany Boulevard
Whitesboro, NY
Nbt Bank Offices
(315)853-5501
1 Kirkland Avenue Suite 1
Clinton, NY
Gilroy Kernan And Gilroy
(315)768-8888
Po Box 542
New Hartford, NY
NBT Bank - Offices
(315)867-2133
103 North Caroline Street
HERKIMER, NY
Bank of Utica - Checking Account Statement Info
(315)797-2761
222 Genesee Street
UTICA, NY
HSBC Bank
1.800.975.HSBC (4722)
Hannaford Plaza 1125 Mohawk St
Utica, NY
Bank of America - North Utica
800.432.1000
50 Auert Ave
Utica, NY
Leatherstocking Abstract And Title Corporation
(315)866-6503
Po Box 606
Herkimer, NY
M And T Bank M And T Mortgage Corporation M And T Business Banking Center
(315)793-3500
2 Business Park Court
Utica, NY
First Source Federal Credit Union
(315)735-1030
1634 Genesee Street
UTICA, NY

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