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Find Mortgage Refinance Companies in Ballston Spa, NY
Compare mortgage refinance companies in Ballston Spa. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Ballston Spa, 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 3 mortgage refinance companies in Ballston Spa, 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.
Haus Capital Corporation - Saratoga
10 Blacksmith Dr, Ballston Spa, NY 12020
5183668608
BSNB Corporate Branch
990 NY-67, Ballston Spa, NY 12020
5183638199
Great Plains National Bank Mortgage Division
20 Prospect St #312, Ballston Spa, NY 12120
5188779810
Ballston Spa homeowners can work with a mortgage refinance company to adjust their loan terms or lower their interest rate. In New York, refinance transactions are subject to state banking regulations and require a clear title search. Local lenders understand the Saratoga County housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Ballston Spa Cost?
Typical costs for a mortgage refinance in New York include an appraisal fee of $400 to $700, a title search and insurance costing $1,000 to $2,500, and lender origination fees of 0.5% to 1% of the loan amount. New York also imposes a mortgage recording tax of 0.25% to 0.50% on the refinanced amount. Total closing costs often range from 2% to 5% of the loan principal. 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 refinance a mortgage in Ballston Spa?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York law also requires a property appraisal and a title search. Your lender will provide a full list based on your loan type.
How long does a mortgage refinance take in New York?
A standard refinance in New York usually takes 30 to 45 days from application to closing. Delays can occur if the title search reveals issues or if the appraisal is slow. Your lender must provide a Loan Estimate within three business days of your application.
Are there New York specific fees for refinancing?
Yes, New York charges a mortgage recording tax on refinances, which is typically 0.25% to 0.50% of the loan amount. You may also pay state required escrow fees and a title insurance premium. These costs are disclosed in your closing disclosure.
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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.