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

TD Bank
(718) 563-1290
640 E Fordham Road
Bronx, NY
Countrywide Home Loans
10 Columbia Ave. Suite B
Kearny, NJ
Dcap Insurance
28 Main St
Hempstead, NY
CountrywideFull Spectrum Lending Division
Forest Hills, NY
First Republic Bank
30 Rockefeller Plaza
Chase Bank
(212) 868-9598
498 7th Ave
New York, NY
TD Bank
47 Newark Street
Holmdel, NJ
Ahm Mortgage
1 Harmon Plz
Union City, NJ
Helen Beichel
1133 Park Place
Brooklyn, NY
Mortgage One
1979 Marcus Avenue
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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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