How to Understand a N.I.N.J.A. Mortgage Auburn NY

The N.I.N.J.A. mortgage is "No-Income-No-Job-or-Assets" loan. A related mortgage is the N.I.N.A. "No-Income-No-Assets" loan. Learn to avoid them unless you want non-fixed rates that may rise like a rocket...

Local Companies

David K Freyer Agency
5413 W Genesee St
Camillus, NY
M And T Bank Branches Seneca Falls
2109 Usroute 20
Seneca Falls, NY
Cooper Abstract Co
1 Dipronio Drive
Waterloo, NY
The Mortgage Organization Inc.
10 Lakeview Circle
Commonfund Mortgage Corporation
265 Genesee Street
Owasco Abstract Corporation
160 East Genesee Street
Auburn, NY
Vanguard Risk Managers
Po Box 191
Marcellus, NY
Geddes Federal Savings And Loan Association
2208 West Genesee Street
Syracuse, NY
Cayuga Lake National Bank - Aurora Ofc
Aurora, NY
Guzalak Dennis
21 Lincoln

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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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