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 Horseheadsconsumer Square
(607)796-6910
830 County Road 64
Elmira, NY
Wells Fargo Home Mortgage
(607)739-2441
2854 Westinghouse Road
HORSEHEADS, NY
IPI Skyscraper Mortgage Corporation
(607)735-0174
102 West 14th Street
ELMIRA, NY
Citifinancial - Bath
(607)776-8083
368 West Washington Street
BATH, NY
Bath National Bank
(607)734-3367
2075 Lake Road
ELMIRA, NY
HSBC Bank
1.800.975.HSBC (4722)
Middle Of Town 217 Prescott Ave
Elmira Heights, NY
Glen Abstract Corporation
(607)535-4614
601 North Decatur Street
Watkins Glen, NY
S L Funding
(607)776-1364
7202 Route 54
BATH, NY
Community Bank NA - Addison
(607)359-2251
Tuscarora
ADDISON, NY
Bath National Bank - Erwin Branch
(607)936-2182
404 South Hamilton Street
PAINTED POST, 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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