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

TD Bank
518-347-0526
2301 Nott Street, E
Niskayuna, NY
Allstate Insurance John Heiden
(518)399-7000
810 State Route 50 Suite 7
Burnt Hills, NY
Salvo Title Inc
(518)377-1055
115 Clinton Street
Schenectady, NY
Resource One Mortgage
(518)371-8480
400 Clifton Corporate Park
CLIFTON PARK, NY
Ccfcu Funding Llc
(518) 690-2252
453 New Karner Rd
Albany, NY
Bank of America - Troy
518.266.0519
59 Third St
Troy, NY
Citizens Bank - Latham Farms
518-783-8274
882 New Loudon Road
Latham, NY
All Season Title Agency
(518)348-9900
9 Executive Park Drive
Clifton Park, NY
Capital Region Home Ownership Center
518-869-1800
Albany, NY
1St Priority Mortgage Inc.
(518) 348-6900
1547 Route 9
Clifton Park, NY

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- How to Lock in a Mortgage Rate Watervliet NY
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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