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

Citizens Bank - Canandaigua/Tops
585-396-9280
5150 North St
Canandaigua, NY
Mr. Gregory Lee Schaffer (RFC®), CFP
585-621-3300
3205 Mount Read Blvd.
Rochester, NY
Territory Inc - Mainline
(585)223-7777
7374 Pittsford Palmyra Road
FAIRPORT, NY
Premium Mortgage Corporation
(585)396-7330
207 South Main Street
CANANDAIGUA, NY
Homeowners Mortgage Of America Inc
(585) 512-1001
1 S Washington St Ste 3
Rochester, NY
Chase Bank
(585) 436-7021
36 Genesee St
Rochester, NY
Bank of America - Penn Fair
800-432-1000
2200 Penfield Rd
Penfield, NY
Territory Mortgage Inc.
(585)869-0222
7635 S. Main Street P.o. Box 753
VICTOR, NY
Riverview Mortgage Corporation
(585)321-0020
370 Summit Point Drive # 1A
HENRIETTA, NY
First City Mortgage
(585)338-1804
1914 Ridge Road East
ROCHESTER, 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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