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

Cornerstone Property Services Llc
(518)464-1800
8 Airline Dr
Albany, NY
Allstate Insurancebarton Insurance Agency Inc.
(518)786-3975
623 New Loudon Rd (1 Mi. S Of The Latham Circle)
Latham, NY
Home Mortgage Network
(518)783-6600
930 Albany Shaker Road
LATHAM, NY
Capitaland Funding Group LLC
(518)245-6669
100 Saratoga Village Boulevard
BALLSTON SPA, NY
Homestead Funding Corp
(518) 464-1100
8 Airline Dr
Albany, NY
Citizens Bank - New Loudon Rd/Price Chopper
518-783-2151
873 New Loudon Rd.
Latham, NY
Allstate Insurance Farouk Elgidelyahmed
(518)371-3206
1226 Route 146
Clifton Park, NY
William E Sheridan Inc
(518)273-2511
604 3rd Ave
Watervliet, NY
Citifinancial
(518)452-4711
1892 Central Avenue
ALBANY, NY
Community Bank Na
(518) 682-2900
2 Bayberry Dr
Malta, 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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