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

HSBC Bank
1.800.975.HSBC (4722)
Diagonal From Post Office 14 Elm St
Potsdam, NY
Community Bank NA
315-769-0381
Massena, NY
First National Bank
(315)265-9950
220 Market Street
POTSDAM, NY
Community Bank NA
(315)265-3700
May Road
POTSDAM, NY
Citifinancial
(315)769-0671
164 Harte Haven Plaza
MASSENA, NY
HSBC Bank
1.800.975.HSBC (4722)
Next To Peets Jewelers 16 Phillips St
Massena, NY
Home Abstract Company
(315)328-4163
County Route 49
Nicholville, NY
NBT Bank
(315)764-1112
264 Main Street
MASSENA, NY
Community Bank NA
(315)353-6682
28 South Main Street
NORWOOD, NY
Community Bank N A
(315)265-4200
70 Market Street Suite 5
POTSDAM, 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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