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

Community Bank Na Corning North
331 West Pulteney Street
Corning, NY
E S And Lelmira Savings And Loan Fa
300 West Water Street
Elmira, NY
Elmira Savings Bank - Branch Offices
930 West Church Street
Bath National Bank
351 North Main Street
Allegheny Valley Bank Of Pittsburgh
5137 Butler Street
1.800.975.HSBC (4722)
Chemung Co. Court House 150 Lake St
Elmira, NY
3d Contracting Of Elmira Inc
214 Juanita Street
Elmira, NY
Marine Midland Mortgage Corporation
150 Lake Street Suite 1
Community Bank NA - Commercial Loan Department
240 South Hamilton Street
Bath National Bank
1019 Center Street

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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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