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
Worden Insurance Agency
(315)583-5621
1267 Rt 11
Adams Center, NY
M And T Bank
(315)782-9791
113 Court Street
Watertown, NY
Redwood Bank
(315)232-4517
10729 USRoute 11
ADAMS, NY
Community Bank NA - Watertown Offices
(315)788-4503
216 Washington Street Suite 1
WATERTOWN, NY
HSBC Bank
1.800.975.HSBC (4722)
Post Office 26 E Church St
Adams, NY
HSBC Bank
1.800.975.HSBC (4722)
Dulles State Office Bldg 120 Washington Street
Watertown, NY
Community Bank Na Black River Office
(315)773-5686
28499 State Route 3
Black River, NY
Watertown Savings Bank
(315)788-7200
111 Clinton Street
WATERTOWN, NY
Household Finance Corporation
(315)788-8600
21216 Pioneer Plaza Drive
WATERTOWN, NY

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