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

Bank of America - Century Mall
900 Central Ave
Albany, NY
Bank of America - East Greenbush Price Chopper
501 Columbia Turnpike
Rensselaer, NY
Berkshire Bank
Clifton Park, NY
Northgate Funding CO
621 Columbia Street Suite 2
A A Capital Inc
20 Pitch Pine Road
Citizens Bank - Fifth Ave / Troy
1818 5th Ave / PO Box 628
Troy, NY
Bank of America - Cohoes
91 Remsen St
Cohoes, NY
Capital Region Ins Agcy
421 New Karner Rd
Albany, NY
Streamline Mortgage
1717 Central Av
Edge Real Estate & Financial SVCS
1 Bent Pine Hollow

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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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