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 lenders in Binghamton, 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.
Supreme Lending-Mike Reid
32 W State St Suite# 209, Binghamton, NY 13901
6074252585
First Niagara Mortgage
65 Court St, Binghamton, NY 13901
6077725412
Sue Griswold - M&T Bank
68 Exchange St, Binghamton, NY 13901
6077520740
Collin Vestel - M&T Bank
68 Exchange St, Binghamton, NY 13901
6079726255
William Haidinger - M&T Bank
68 Exchange St, Binghamton, NY 13905
6077795932
M&T Bank - Mortgage Division
68 Exchange St 3rd Floor, Binghamton, NY 13901
6077795937
What Does a Mortgage Lender in Binghamton Cost?
Typical mortgage lender costs in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,500 to $3,000. New York also charges a mortgage recording tax of about 0.8% to 1.8% of the loan amount depending on the county. These costs vary by lender and loan type. 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 documents do I need to apply for a mortgage in Binghamton?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. New York lenders also require a signed disclosure form under the Truth in Lending Act.
How long does mortgage approval take in New York?
Approval can take 30 to 45 days from application to closing. New York law mandates a three-day right of rescission for most refinances under federal Regulation Z.
Are there first-time homebuyer programs in Binghamton?
Yes, New York offers the State of New York Mortgage Agency program with down payment assistance. Local lenders in Binghamton can help you apply for these programs.