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Looking for a mortgage lender in Rocky Point? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Rocky Point, 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 2 mortgage lenders in Rocky Point, 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.
Joseph A. Latini, Contour Mortgage, NMLS ID#: 403780
Office NMLS# 2501848, 475 NY-25A, Rocky Point, NY 11778
5163186500
Chase Mortgage
346-20 NY-25A, Rocky Point, NY 11778
6317446100
Mortgage lenders in Rocky Point, New York help home buyers and homeowners secure financing for residential properties. New York law requires lenders to follow specific disclosure rules under the New York Banking Law, including providing a Good Faith Estimate of closing costs. Local lenders understand the unique real estate market in Suffolk County and can guide you through the loan process.
What Does a Mortgage Lender in Rocky Point Cost?
Typical costs for a mortgage lender 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 1,500 to 3,000 dollars. Closing costs generally total 2 to 5 percent of the purchase price. These figures vary based on loan type, property value, and lender. 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 Rocky Point?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders may also require a signed authorization to pull your credit report.
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 requires a mandatory three-day right of rescission for most refinances after closing.
What are the minimum down payment requirements in New York?
Conventional loans often require at least 3 percent down, while FHA loans may allow 3.5 percent. New York first-time home buyer programs through SONYMA can offer lower down payment options.
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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.