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Looking for a mortgage lender in Kingston? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Kingston, 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 16 mortgage lenders in Kingston, 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.
Mortgage lenders in Kingston New York help homebuyers and homeowners secure financing for residential properties. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services. Kingston borrowers can work with local banks, credit unions, and independent mortgage companies to find a loan that fits their needs.
What Does a Mortgage Lender in Kingston Cost?
Typical costs for a mortgage in New York include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance ranging from 500 to 1,500 dollars. New York also charges a mortgage recording tax which varies by county; in Ulster County this tax is approximately 1.05 percent of the loan amount. Closing costs generally total 2 to 5 percent of the purchase price. This is general information and 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 Kingston New York?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders may also require a copy of your lease if you are refinancing a rental property.
How long does the mortgage process take in New York?
The average mortgage process in New York takes 30 to 45 days from application to closing. New York law requires a minimum 3-day review period for the Closing Disclosure before you can sign final documents.
Are there special mortgage programs for first-time homebuyers in Kingston?
Yes, New York offers the State of New York Mortgage Agency (SONYMA) programs for first-time buyers. These programs provide low down payment options and reduced interest rates for eligible borrowers in Kingston.
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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.