How to Understand a N.I.N.J.A. Mortgage Lancaster 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 - Kenmore
1698 Sheridan Drive
Kenmore, NY
Noto Insurance Agency
3710 Delaware Ave
Buffalo, NY
Musarra Management & Investment
107 Delaware Avenue Suite 1718
Fleet Private Clients Group
10 Fountain Plz
Hsbc Bank Usa Na
(800) 622-7759
95 Washington St
Buffalo, NY
Citizens Bank - Creekside
2797 Niagara Falls Blvd
Amherst, NY
True Remodeling
25 Perkins Place
Buffalo, NY
Novastar Home Mortgage Inc
908 Niagara Falls Boulevard
Household Finance Corporation
4130 McKinley Parkway
American Equity Services Inc
300 Cayuga Road

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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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