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 15 mortgage lenders in Saratoga Springs, 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.
The Funding Store
380 Broadway, Saratoga Springs, NY 12866
5185870523
Anna Smith - Quintessential Mortgage Group
18 Division St Suite 204, Saratoga Springs, NY 12866
5183684404
Homestead Funding Corp: Laura Guillerault | NMLS# 59471
517 Broadway UNIT 202, Saratoga Springs, NY 12866
5186699664
Heidi C Ives | Go Rascal Inc Regional Manager/Sr. Loan Officer
376 Broadway Suite 17, Saratoga Springs, NY 12866
5187914595
Homestead Funding Corp: Caroline Hommel | NMLS# 55348
517 Broadway UNIT 202, Saratoga Springs, NY 12866
5183692689
Trustco Bank
34 Congress St, Saratoga Springs, NY 12866
5185873520
Homestead Funding Corp. – Saratoga Springs
517 Broadway UNIT 202, Saratoga Springs, NY 12866
5183064511
Arrow Bank
171 S Broadway, Saratoga Springs, NY 12866
5183062700
Adirondack Trust Company
473 Broadway, Saratoga Springs, NY 12866
5185845844
PrimeLending, A PlainsCapital Company
92 Congress St #201, Saratoga Springs, NY 12866
5183873228
Arrow Bank
3025 NY-50, Saratoga Springs, NY 12866
5185878484
M. Kress Weitzel - Mortgage Lender
2 West Ave, Saratoga Springs, NY 12866
5182885144
Mortgage, Bank of America
27 Division St, Saratoga Springs, NY 12866
5184305692
LAG Home Financing
105 8th St, Saratoga Springs, NY 12866
5185876212
Karl P. Meehan | Fairway Independent Mortgage Corporation Loan Officer
125 High Rock Ave Suite 207B, Saratoga Springs, NY 12866
5185815386
What Does a Mortgage Lender in Saratoga Springs Cost?
Typical costs for a mortgage in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance which can cost 1,000 to 2,000 dollars. Closing costs generally range from 2% to 5% of the purchase price. New York also charges a mortgage recording tax which varies by county. 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 Saratoga Springs?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders also require a signed application and a credit check.
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 three day right of rescission for refinances under certain conditions.
Are there special mortgage programs for first time buyers in New York?
Yes, New York offers programs like the State of New York Mortgage Agency (SONYMA) which provides low down payment options and reduced interest rates for eligible first time buyers. Local lenders in Saratoga Springs can help you apply.