Find Mortgage Lenders Near You in Patchogue, NY
Looking for a mortgage lender in Patchogue? Review the directory below to compare your options.
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 12 mortgage lenders in Patchogue, 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 Patchogue Cost?
Typical costs for a mortgage lender 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 ranging from $1,000 to $2,500. Closing costs generally total 2% to 5% of the purchase price. These costs vary by lender and property. 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 for a mortgage application in Patchogue?
You typically need pay stubs, tax returns, bank statements, and a government ID. New York lenders also require a signed mortgage commitment letter and property appraisal.
How long does the mortgage process take in New York?
The process usually takes 30 to 45 days from application to closing. New York law mandates a three-day right of rescission for refinances, which can extend the timeline.
Are there first-time home buyer programs in Patchogue?
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 qualified applicants.