How to Understand a N.I.N.J.A. Mortgage Gloversville 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 - Johnstown
800.432.1000
51 West Main St
Johnstown, NY
NBT Bank - Branches- Customer Service & Account Information
(518)842-2123
106 Hannaford Plaza
AMSTERDAM, NY
Hopmeier-Evans-Gage Agency Inc
(518)875-9237
Main Street
ESPERANCE, NY
Hennessy Cindy Mortgage Broker
(518)684-0158
4809 State Highway 30
AMSTERDAM, NY
City National Bank
(518)773-7911
52 North Main Street
GLOVERSVILLE, NY
Citizens Bank - Johnstown
518-762-3117
17 S. Market Street
Johnstown, NY
City National Bank & Trust Co - Johnstown Office
518-762-1998
Johnstown, NY
Long Beach Mortgage Company
(518)762-6349
107 South Melcher Street
JOHNSTOWN, NY
Hometown Mortgage Corp
(518)842-8500
4193 State Route 30
AMSTERDAM, NY
Coldwell Banker Prime
(518)843-5255
42 Division Street
AMSTERDAM, NY

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- How to Lock in a Mortgage Rate Gloversville NY
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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