How to Understand a N.I.N.J.A. Mortgage Watervliet 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 - Averill Park
3049 Route 43
Averill Park, NY
Berkshire Capital
Castleton On Hudson, NY
Northgate Funding CO
621 Columbia Street Suite 2
American Eagle Mortgage
211 Delaware Av
A Choice Funding LLC
9 Executive Park Dr
Bank of America - Latham
579 Troy-Schenectady Rd
Latham, NY
Bank of America - Loudonville
477 Albany Shaker Rd
Loudonville, NY
USA Liberty Mortgage Corp
411 Ballston Rd
LEGG Mason Real Estate Services
950 New Loudon Road Suite 240
Abetter Mortgage
4 Atrium Drive

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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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