How to Understand a N.I.N.J.A. Mortgage Depew 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 - Brierwood Square
800.432.1000
5340 Southwestern Boulevard
Hamburg, NY
Americas Choice0 Percent Commission Real Estate
(716)691-0596
636 North French Road Suite 10
Buffalo, NY
M And M Resources Unlimited
(716)873-5500
30 Military Road
Buffalo, NY
Capmark Financial
716-854-1580
Buffalo, NY
GMAC Commercial Mortgage
(716)854-1580
4 Cathedral Park
BUFFALO, NY
Bank of America - Summit Park
800.432.1000
6947 Williams Rd
Niagara Falls, NY
Allstate Insurancejoseph S Krieger
(716)897-1109
1560 Harlem Rd Ste 2
Cheektowaga, NY
Direct Link Insurance
(877)221-2217
34 Civic Av #200
Buffalo, NY
Pj Lopus Insurance Services
(716)662-4240
10 North Lincoln Ave.
Orchard Park, NY
L W Integrity Funding LLC
(716)873-3500
2211 Sheridan Dr
BUFFALO, 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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