How to Talk to Mortgage Lenders Saint James 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

A1 Mortgagesreal Estate Mortages
(800)499-1195
6001 C Jericho Turn Pike
Commack, NY
JOSEPH CONBOY
P. O. BOX 449
SHOREHAM, NY
Mr. Albert F. Coletti (RFC®), CHFC, CLU
631 979 6161 x102
P.O. Box 728
Smithtown, NY
Coltrain Funding Group LLC
631-851-4420
Hauppauge, NY
First Federal Realty-Desimone
(631)981-8800
258 Hawkins Av
RONKONKOMA, NY
Capital One
516-681-2421
144 Manetto Hill Rd
Plainview, NY
Jeffrey Lewis, CFP, ChFC
7 White Deer Court
Huntington, NY
Mr. Michael H. Fliegelman (RFC®), CHFC, CLU
631 806 3568
5 Harborfields Ct
Greenlawn, NY
Mr. Richard A. Fallica (RFC®), CEP
631 979 6161
P.O. Box 728
Smithtown, NY
USA Mortgage Bankers of America Inc
(631)585-0400
3075 Veterans Memorial Hw Suite 130
RONKONKOMA, NY
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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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