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
12 Madison Avenue
Endicott, NY
Four Corners Abstract
71 State Street
Binghamton, NY
Esquire Abstract
205 Oakdale Road
Johnson City, NY
Partners Trust Bank
1923 Vestal Parkway East
CCS of New York Inc
75 Maple Street
1.800.975.HSBC (4722)
Across From Giant Market 282 Main St
Binghamton, NY
Citizens Bank - Binghamton / West
247 Main Street
Binghamton, NY
Brown And Brown Inc
2 Court St 609 E Main St
Endicott, NY
Endicott, NY
Commonfund Mortgage Corporation
3439 Vestal Parkway East

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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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