Find Mortgage Lenders Near You in Garden City, NY
Compare mortgage lenders in Garden City. Review contact information and insurance categorys before you decide.
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
State Mortgage Licensing Authority of New York before hiring.
Showing 14 mortgage lenders in Garden City, 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.
What Does a Mortgage Lender in Garden City Cost?
Typical costs for a mortgage lender in Garden City include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance ranging from 500 to 2,000 dollars. New York also charges a mortgage recording tax as noted above. Closing costs generally total 2% to 5% of the purchase price. 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 Garden City?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and photo ID. New York lenders may also require proof of homeowners insurance and a property appraisal.
How long does mortgage approval take in New York?
Initial approval can take a few days, but full underwriting and closing usually take 30 to 45 days. New York law allows a three-day rescission period after signing for refinances.
What is the mortgage recording tax in New York?
New York imposes a mortgage recording tax on the loan amount. In Nassau County, the rate is 1.05% for loans up to 500,000 dollars and 1.30% for loans over that amount. This tax is typically paid at closing.