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

Global Mortgage
(716) 677-2750
1780 Union Rd
West Seneca, NY
C Nb Mortgage Company
(585) 919-3500
72 S Main St
Canandaigua, NY
Avco Mortgage Company of New York Inc
(716) 434-9181
5714 S Transit Rd
Lockport, NY
Accurate Mortgage Company
(845) 623-3181
259 N Middletown Rd
Nanuet, NY
USA Liberty Mortgage
(631) 567-7040
1180 Lincoln Ave
Holbrook, NY
Arcs Commercial Mortgage Co Lp
(516) 390-4623
50 Charles Lindbergh Bl
Uniondale, NY
New York Mortgage Co the
(516) 869-3407
1 Hollow Ln Ste 315
New Hyde Park, NY
American Mortgage Inc
(718) 815-6500
981 Bay St
Staten Island, NY
Argent Mortgage
(914) 949-2358
333 Westchester Ave
West Harrison, NY
Nehemiah Program
(315) 488-0583
4914 W Genesee St
Camillus, 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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