How to Lock in a Mortgage Rate Watertown 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

HSBC Bank
1.800.975.HSBC (4722)
Village Hall 302 State St
Carthage, NY
Community Bank Na Watertown Offices
(315)788-4503
216 Washington Street Suite 1
Watertown, NY
Upstate Capital
(315)786-2813
742 West Main
WATERTOWN, NY
Community Bank NA - Clayton Office
(315)686-5551
352 James Street
CLAYTON, NY
Northern Federal Credit Union
(315) 222-6317
120 Factory St
Watertown, NY
HSBC Bank
1.800.975.HSBC (4722)
Post Office 26 E Church St
Adams, NY
Timmerman Adams Insurance
(315)649-5255
Po Box 238
Chaumont, NY
Watertown Savings Bank
(315)232-4515
30 East Church Street
ADAMS, NY
Redwood Bank
(315)232-4517
10729 USRoute 11
ADAMS, NY
Community Bank NA - Black River Office
(315)773-5686
28499 State Route 3
BLACK RIVER, NY

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