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

1st Abstract Agency
(570)888-0153
146 West Lockhart Street
Sayre, PA
ILM-Cambridge Ltd
(570)888-2100
115 Spring St
SAYRE, PA
Citizens & Northern Bank
(570)888-2220
Elmira Street
SAYRE, PA
American General Financial Services
(607)732-5419
303 North Main Street
ELMIRA, NY
Community Bank Na
(607) 733-5533
300 W Water St
Elmira, NY
Piper Agency The
(607)937-6028
318 B Park Avenue
Corning, NY
IPI Skyscraper Mortgage Corporation
(607)735-0174
102 West 14th Street
ELMIRA, NY
Community Bank NA - Corning
(607)962-2461
150 West Market Street
CORNING, NY
Choice One Lending
(607)795-2667
2667 Corning Road
HORSEHEADS, NY
Allegheny Valley Bank Of Pittsburgh
(412)781-0318
5137 Butler Street
LAWRENCEVILLE, PA

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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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