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 - Ilion
1 Central Plaza
Ilion, NY
Bank of America
911 Cornelia St
Utica, NY
First Source Federal Credit Union
4451 Commercial Drive
Countrywide Home Loans
7763 Turin Road
Americu Credit Union
(315) 356-3000
1916 Black River Blvd N
Rome, NY
1.800.975.HSBC (4722)
Hannaford Plaza 1125 Mohawk St
Utica, NY
Bank of America - Liberty Plaza
200 West Dominick St
Rome, NY
The Homeownership Center
1611 Genesee Street
First Source Federal Credit Union
1634 Genesee Street
Adirondack Financial Services Corporation
185 Genesee Street

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