How to Understand a N.I.N.J.A. Mortgage Orchard Park 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 - Transit Road-E. Amherst / Tops
716-625-9879
9660 Transit Rd
Amherst, NY
Bank of America - Military Road
800.432.1000
164 Military Rd
Buffalo, NY
Clauss And Company Insurance
(716)886-6600
735 Delaware Ave
Buffalo, NY
Joanne Burton Insurance
(716)834-0637
36 Hopkins Rd
Buffalo, NY
Arbor Commercial Mortgage LLC
(716)565-3280
17 Limestone Drive Suite 5
BUFFALO, NY
HSBC Bank
1.800.975.HSBC (4722)
Broadway & Lombard 1017 Broadway
Buffalo, NY
Citizens Bank - Grey Street / Tops
716-655-1468
65 Grey St
East Aurora, NY
Bank of America - Elma
800.432.1000
2341 Bowen Rd
Elma, NY
J F S Abstract Co Llc
(716)854-5928
295 Main Street
Buffalo, NY
Kreiner Company Inc
(716)632-5222
377 N Oak St
Buffalo, 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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