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Looking for a mortgage broker in St James? Review the directory below to compare your options.
6 agents listed
Updated May 2026
St James, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.
Showing 6 mortgage brokers in St James, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
RELI (Real Estate Long Island) - Jorge Gonzalez
419-4 N Country Rd, St James, NY 11780
6319317354
All Shores Mortgage
452 Lake Ave, St James, NY 11780
6316865200
Mohammed Mudassir “Muds”, The Realtor
455 Lake Ave, St James, NY 11780
6315285786
Coast to Coast Commercial Capital, Inc
409 Lake Ave, St James, NY 11780
6315518002
Pallino Properties Inc.
932 Middle Country Rd, St James, NY 11780
6317426683
Edward Jones - Financial Advisor: Scott R Posner, CFP®|CEPA®
542 N Country Rd Suite A, St James, NY 11780
6318622020
Mortgage brokers in St James New York help home buyers and refinancing homeowners find suitable loan products. New York law requires mortgage brokers to be licensed by the Department of Financial Services and follow strict disclosure rules under General Business Law Article 12-D. Working with a local broker can simplify the process of securing a mortgage for a home in Suffolk County.
What Does a Mortgage Broker in St James Cost?
Mortgage broker fees in New York typically range from 1% to 2% of the loan amount, though some brokers charge a flat fee of $2,000 to $5,000. New York law caps certain origination fees and requires brokers to disclose all compensation in writing. Costs vary based on loan type, loan size, and the specific broker. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a mortgage broker do in St James New York?
A mortgage broker acts as an intermediary between you and multiple lenders to find a loan that fits your needs. They handle paperwork and compare rates from different banks and credit unions. In New York brokers must provide a Mortgage Broker Agreement and a Good Faith Estimate within three business days of your application.
How do I choose a mortgage broker in St James?
Check that the broker is licensed through the Nationwide Multistate Licensing System and has no disciplinary history with the New York Department of Financial Services. Ask about their experience with local lenders and their fee structure. You can also read online reviews from other St James home buyers.
What documents do I need to apply for a mortgage in New York?
You will typically need recent pay stubs, W-2 forms, tax returns for two years, bank statements, and proof of assets. New York also requires a signed disclosure of your credit score and a Loan Estimate within three business days of applying. Self-employed borrowers may need additional profit and loss statements.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New York.