How to Understand a N.I.N.J.A. Mortgage College Point 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
Everitt J Hehn Inc
(516)944-8141
51 Main Street
Port Washington, NY
Jared Cutler
611 Pondside Drive
White Plains, NY
Mr. Michael J. Goldsmith (RFC®), LUTCF
516 541 0111
549 Broadway Street Suite 201
Massapequa, NY
Citibank N.A.
(914)761-9775
407 Tarrytown Road
WHITE PLAINS, NY
Capital One
201-420-2850
5913 Bergenline Ave
West New York, NJ
Gold Star Mortgage Inc.
(212)714-9190
350 5th Avenue Suite 1009
New York, NY
Helen Beichel
1133 Park Place
Brooklyn, NY
Mr. Monroe M. Diefendorf (RFC®), CFP, CHFC, CLU
516 759 3900
152 Forest Ave.
Locust Valley, NY
Fleet Mortgage
(914)286-5474
230 Main St 2nd Fl
WHITE PLAINS, 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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