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

Agency Mortgage Co
(518) 383-5535
1406 Route 9
Clifton Park, NY
Ameriquest Mortgage
(516) 496-2838
6800 Jericho Tpke
Syosset, NY
Eagle Nationwide Mortgage Co
(718) 630-5295
6204 11th Ave
Brooklyn, NY
Eagle Nationwide Mortgage
(845) 897-4950
121 Village Cmn
Fishkill, NY
Queens Mortgage Co
(718) 888-9668
3609 Main St Ste 9B
Flushing, NY
Stanley Capital Mortgage Company
(718) 380-7327
17807 69th Ave
Fresh Meadows, NY
Avco Mortgage Co of N Y Inc
(585) 865-0850
2883 Dewey Ave
Rochester, NY
Fleet Mortgage Co
(585) 726-8700
159 E Main St
Rochester, NY
Argent Mortgage
(914) 428-6715
333 Westchester Ave
West Harrison, NY
North Coast Mortgage Company
(585) 698-1551
69 Cascade Dr
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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