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 3 mortgage lenders in Watertown, 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.
John Bartlett
95 Public Square Suite 204, Watertown, NY 13601
3152104506
Andiorio Mortgage Lending Team, Movement Mortgage Watertown
200 Mullin St # 201, Watertown, NY 13601
3157272154
Homestead Funding Corp. – Watertown
21101 NY-12F #2, Watertown, NY 13601
3157884270
What Does a Mortgage Lender in Watertown 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 $300 to $600, and title insurance costs of $500 to $1,200. Closing costs in New York generally 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 Watertown?
You typically need pay stubs, tax returns, bank statements, and proof of identity. New York lenders may also require a copy of your credit report and a property appraisal.
How long does it take to close on a mortgage in New York?
The average closing process in New York takes 45 to 60 days. This timeline includes underwriting, appraisal, and legal review of the contract.
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. These provide low down payment options and reduced interest rates for qualified first-time buyers in Watertown.