How to Understand a N.I.N.J.A. Mortgage Ridgewood 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 - Newport Center
201.626.2852
125 Pavonia Ave
Jersey City, NJ
Selective Associates Inc
(516)546-5500
1687 Merrick Avenue
Merrick, NY
Mr. Monroe M. Diefendorf (RFC®), CFP, CHFC, CLU
516 759 3900
152 Forest Ave.
Locust Valley, NY
Best Homes of Staten Island
(718)967-6666
4062 Amboy Road
STATEN ISLAND, NY
Am Real Estate Funding Consu Ltants Ltd
(718)862-8800
3046 Eastchester Rd
BRONX, NY
HSBC Bank
1.800.975.HSBC (4722)
Corner Of 39Th Street 550 7Th Ave
New York, NY
Robert Pehnke Corp
(718)657-4100
137-34 Jamaica Ave
Jamaica, NY
Helen Beichel
1133 Park Place
Brooklyn, NY
City Enterprises Limited
(718)444-8031
902 East 84th Street
BROOKLYN, NY
Ameriquest Mortgage
(718)370-0368
1110 South Avenue
STATEN ISLAND, 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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