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

Bank of America - Westgate
1685 Howard Road
Rochester, NY
Georgianna Macdonald Agcy Inc
646 Browncroft Blvd
Rochester, NY
Mr. Gregory Lee Schaffer (RFC®), CFP
3205 Mount Read Blvd.
Rochester, NY
Citibank (New York State)
424 Ridge Road W
Premium Mortgage Corp
(585) 241-0000
2541 Monroe Ave
Rochester, NY
Citizens Bank - Winton Road / Tops
175 Winton Road North
Rochester, NY
Barry York Inc
180 Linden Oaks
Rochester, NY
The Cray Agency
1040 University Ave
Rochester, NY
American General Financial Services
Rochester, NY
Citibank (New York State)
3165 Latta Road
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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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