How to Understand a N.I.N.J.A. Mortgage Bronx 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

Chase Bank
(914) 251-3302
2900 Westchester Avenue
Purchase, NY
Coverex Corporate Risk
666 Old Country Rd
Garden City, NY
Jared Cutler
611 Pondside Drive
White Plains, NY
Cfmb Holdings Inc.
(866) 814-8315
2357 Coney Island Avenue
New York, NY
Contour Mortgage Corporation
(800) 775-3354
1900 Hempstead Tpke Ste 206
East Meadow, NY
Citizens Bank - White Plains SS
154 Westchester Ave.
White Plains, NY
Washington Mutual Bank Locations New Milford
830 River Road
New Milford, NJ
Helen Beichel
1133 Park Place
Brooklyn, NY
Mr. Monroe M. Diefendorf (RFC®), CFP, CHFC, CLU
516 759 3900
152 Forest Ave.
Locust Valley, NY
Washington Mutual-Financial Center
110 Main St
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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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