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 - East Utica
800.432.1000
1100 Mohawk St
Utica, NY
New England Merchants Corp
(315)731-2040
215 Rutger
UTICA, NY
First Source Federal Credit Union
(315)735-8571
4451 Commercial Drive
NEW HARTFORD, NY
Countrywide Home Loans
(315)336-3070
7763 Turin Road
ROME, NY
Adirondack Bank
(315)736-6169
135 Oriskany Street West
UTICA, NY
Bank of America - North Utica
800.432.1000
50 Auert Ave
Utica, NY
John C Delbouno Agency
(315)732-3900
2017 Genesee St
Utica, NY
First Source Federal Credit Union
(315)866-2940
510 West State Street
HERKIMER, NY
First Source Federal Credit Union
(315)735-1030
1634 Genesee Street
UTICA, NY
Bank of Utica - Checking Account Statement Info
(315)797-2761
222 Genesee Street
UTICA, NY

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