How to Talk to Mortgage Lenders Ithaca NY

Before you talk to mortgage lenders you should learn about your choices. In any time of economic distress it will be harder than usual to acquire a new mortgage or to refinance. Demand and boom and burst was created by easy credit and aggressive home mortgage loan companies offering temporary low payments which go up, but you just want a home loan. Not surprisingly, therefore, choices for mortgage loans will be your main concern...

Local Companies

Citizens Bank - Ithaca
408 Elmira Avenue
Ithaca, NY
Barry Scott Insurance
409 3rd Street
Ithaca, NY
Tompkins Trust Company
The Commons
Cornell Fingerlakes Credit Union
1030 Craft Road
Cfcu Community Credit Union
Po Box 149
1.800.975.HSBC (4722)
Main Street - Downtown 36 Main St
Cortland, NY
Bank of America - Groton Avenue
1094 Hwy 222
Cortland, NY
David J Dempsey Agency
983 State Route 34b
King Ferry, NY
The First National Bank of Groton
41 South Main Street
Community Bank NA Interlaken
8395 Main

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- How to Lock in a Mortgage Rate Ithaca 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.
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