How to Talk to Mortgage Lenders Rochester 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 - Webster
66 West Main Street
Webster, NY
Mr. Gregory Lee Schaffer (RFC®), CFP
3205 Mount Read Blvd.
Rochester, NY
Quality Home Funding Corporation
2255 Lyell Avenue Suite 2
Citibank (New York State)
1838 Empire Boulevard
Adelphi Funding- Inc.
2300 Buffalo Rd Bldg 300
Chase Bank
(585) 247-5840
6 Spencerport Rd
Rochester, NY
Bank of America - Pittsford
9 N. Main St
Pittsford, NY
Singer Real Estate
1039 Monroe Avenue
Forum Mortgage CO
228 South Avenue
American General Financial Services
1900 Empire Boulevard
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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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