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Showing 3 mortgage lenders in Setauket- East Setauket, 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.
Dianne Goodwin, Novus Home Mortgage
175 NY-25A E, Setauket- East Setauket, NY 11733
6312206856
Keith Radonis - Novus Home Mortgage
175 NY-25A Suite 12, Setauket- East Setauket, NY 11733
6316752473
Chase Home Lending
1395 NY-25A, Setauket- East Setauket, NY 11733
6319413800
What Does a Mortgage Lender in Setauket- East Setauket 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 costing 0.5 to 1 percent of the purchase price. Closing costs in New York generally range from 2 to 5 percent of the loan amount. 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 Setauket- East Setauket?
You typically need proof of income, tax returns, bank statements, and identification. New York lenders also require a property appraisal and title search. Your lender will provide a complete list based on your loan type.
How long does the mortgage process take in New York?
The mortgage process in New York usually takes 30 to 45 days from application to closing. New York law requires a three day right of rescission for refinances. Delays can occur if the property has title issues or if appraisal takes longer.
Are there special mortgage programs for New York first time home buyers?
Yes, New York offers programs like the State of New York Mortgage Agency (SONYMA) which provides low interest loans and down payment assistance. Local lenders in Setauket- East Setauket can help you apply for these programs if you meet income and purchase price limits.