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

Home Abstract Company
County Route 49
Nicholville, NY
Community Bank NA
Massena, NY
First National Bank
220 Market Street
Community Bank NA
May Road
164 Harte Haven Plaza
1.800.975.HSBC (4722)
Next To Peets Jewelers 16 Phillips St
Massena, NY
William Hayman
20 Elm St
Potsdam, NY
North Country Savings Bank
22 Phillips Street
Community Bank NA
3748 County Route 14
Community Bank N A
70 Market Street Suite 5

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- How to Lock in a Mortgage Rate Massena 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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