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

Bank of America - Co-Op City
718.320.1359
2136 Bartow Ave.
Bronx, NY
Zmortgage Corporation
(516)512-8885
1225 Franklin Avenue
Garden City, NY
Helen Beichel
1133 Park Place
Brooklyn, NY
Mr. Jonathan P. Delo (RFC®), CFP
845 893 0073
200 Business Park Dr Ste 308
Armonk, NY
Roybar Associates
(516)483-4523
33 Main Street
HEMPSTEAD, NY
TD Bank
(516) 671-2808
319 Glen Head Road
Old Westbury, NY
Chase Bank
(914) 251-3302
2900 Westchester Avenue
Purchase, NY
The Bank Of New York Rockland Division Banking Offices Nanuet
(845)623-0468
46 East Route 59
Nanuet, NY
Jared Cutler
611 Pondside Drive
White Plains, NY
Mr. Monroe M. Diefendorf (RFC®), CFP, CHFC, CLU
516 759 3900
152 Forest Ave.
Locust Valley, 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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