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Compare mortgage refinance companies in Canandaigua. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Canandaigua, 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 6 mortgage refinance companies in Canandaigua, 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.
Mortgage refinance companies in Canandaigua New York help homeowners lower their interest rates or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application. Local refinancing can also help you access home equity for renovations or debt consolidation.
What Does a Mortgage Refinance Company in Canandaigua Cost?
Typical costs for mortgage refinance in New York include an origination fee of 0.5% to 1.0% of the loan amount, appraisal fees of $400 to $700, and title insurance averaging $1,000 to $2,500. New York also imposes a mortgage recording tax of 0.25% to 0.80% depending on the county and loan amount. Closing costs generally total 2% to 5% of the loan principal. 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 refinance a mortgage in Canandaigua New York?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. New York lenders also require proof of homeowners insurance and a property appraisal.
How long does a mortgage refinance take in New York?
The refinance process in New York usually takes 30 to 45 days from application to closing. New York law mandates a three-business-day right of rescission after closing for most refinances.
Are there New York specific fees for mortgage refinancing?
Yes, New York charges a mortgage recording tax on refinances, which can be 0.25% to 0.80% of the loan amount. Other costs include appraisal fees, title insurance, and lender origination fees.
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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.