How to Understand a N.I.N.J.A. Mortgage Vestal 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 - Endicott Drive Thru
607-754-9872
12 Madison Avenue
Endicott, NY
Four Corners Abstract
(607)772-6976
71 State Street
Binghamton, NY
Esquire Abstract
(607)798-1660
205 Oakdale Road
Johnson City, NY
Partners Trust Bank
(607)786-4160
1923 Vestal Parkway East
ENDICOTT, NY
CCS of New York Inc
(607)693-4400
75 Maple Street
HARPURSVILLE, NY
HSBC Bank
1.800.975.HSBC (4722)
Across From Giant Market 282 Main St
Binghamton, NY
Citizens Bank - Binghamton / West
607-766-9190
247 Main Street
Binghamton, NY
Brown And Brown Inc
(607)754-0424
2 Court St 609 E Main St
Endicott, NY
CBI Inc
607-757-2342
Endicott, NY
Commonfund Mortgage Corporation
(607)798-0900
3439 Vestal Parkway East
VESTAL, 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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