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Browse mortgage lenders serving Smithtown, New York. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Smithtown, 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 13 mortgage lenders in Smithtown, 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.
Contigo Mortgage
37 W Main St, Smithtown, NY 11787
6316099108
All Island Mortgage & Funding Corp.
496 NY-347 #308, Smithtown, NY 11787
6319793300
Luminate Bank - Smithtown Branch
11 Redwood Ln, Smithtown, NY 11787
6314066565
Best Rate Capital Inc.
975 W Jericho Turnpike #3, Smithtown, NY 11787
6313600003
DMN Mortgage Corp.
155 E Main St, Smithtown, NY 11787
6314863770
Vista Capital Services Inc
1020 W Jericho Turnpike #209, Smithtown, NY 11787
6316442663
UNMB Home Loans Inc. - Smithtown, NY
398 NY-111, Smithtown, NY 11787
6318519567
Long Island Mortgage | New York Reverse Mortgages
738 Smithtown Bypass #101, Smithtown, NY 11787
6318633300
Senior Settlement Services
444 NY-111, Smithtown, NY 11787
6317153444
Chase Home Lending
42 W Main St, Smithtown, NY 11787
5165287339
Chase Home Lending
705 Smithtown Bypass, Smithtown, NY 11787
9015988212
American Financial Resources, Inc.
91 Maple Ave, Smithtown, NY 11787
6316560060
Jerry Farina - Mortgage Loan Officer
714 Smithtown Bypass, Smithtown, NY 11787
5163833944
Mortgage lenders in Smithtown, New York help homebuyers secure financing for residential properties. New York law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local lenders are familiar with Suffolk County property values and the specific requirements of New York State mortgage regulations.
What Does a Mortgage Lender in Smithtown Cost?
Typical mortgage lender costs in New York include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and a credit report fee of $30 to $50. Closing costs in Suffolk County often range from 2% to 5% of the purchase price. 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 Smithtown?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. New York lenders also require a signed Uniform Residential Loan Application and may ask for additional proof of assets.
How long does mortgage approval take in New York?
The initial approval process usually takes 30 to 45 days in New York. However, the full process from application to closing can take 45 to 60 days due to required title searches and property appraisals.
Are there special mortgage programs for first-time buyers in New York?
Yes, New York offers the State of New York Mortgage Agency (SONYMA) programs for first-time buyers. These include low down payment options and reduced interest rates for qualified buyers in Smithtown.
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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.