How to Understand a N.I.N.J.A. Mortgage East Syracuse 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
(315) 451-8827
424 7th North St
Liverpool, NY
Bank of America - Central Square
800.432.1000
3235 Fulton St
Central Square, NY
The Caldwell Agency Inc
(315)697-2087
Po Box 226
Canastota, NY
Cny Insurance Agency
(315)453-2100
4205 Long Branch Rd
Liverpool, NY
Funding Source Llc
(315) 434-9292
906 Spencer St
Syracuse, NY
HSBC Bank
1.800.975.HSBC (4722)
Rte 173 & 92 228 E Seneca St
Manlius, NY
Bank of America - Camillus Commons
315.487.0772
5345 West Genesee Street
Camillus, NY
Bank of America - Nottingham
800.432.1000
401 Nottingham Rd
Syracuse, NY
Ryco Information Services Inc
(315)461-8308
7591 Morgan Road # 1
Liverpool, NY
Aatex Mortgage Inc
(315)422-2706
472 South Salina
SYRACUSE, 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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