How to Lock in a Mortgage Rate Watervliet 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)
Latham Circle 494 Troy Schenectady Rd
Latham, NY
Chicago Title Insurance Company Regional Office
(518)436-9711
80 State Street
Albany, NY
Streamline Mortgage
(518)452-6480
1717 Central Av
ALBANY, NY
NBT Bank - Offices
(518)437-4100
80 Wolf Road
ALBANY, NY
Colonial Insurance Agency LLC
(518)393-9120
7 Airport Park Boulevard Suite 2
LATHAM, NY
Bank of America - Troy
518.266.0519
59 Third St
Troy, NY
Citizens Bank - Schoolhouse Road
518-464-6440
1516 Western Avenue
Albany, NY
C T X Mortgage Company
518-347-1383
Schenectady, NY
Northeast Funding Svces
(518)782-1855
5 Herbert Dr
LATHAM, NY
Conseco Finance Corporation
(518)782-5300
9 Cornell Road
LATHAM, NY