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Find Mortgage Refinance Companies Near You in Dunkirk, NY
Compare mortgage refinance companies in Dunkirk. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Dunkirk, 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 2 mortgage refinance companies in Dunkirk, 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.
OneMain Financial
3968 Vineyard Dr, Dunkirk, NY 14048
7163796549
Gugino & Ryel Financial
200 Lake Shore Dr W, Dunkirk, NY 14048
7163632804
Mortgage refinance companies in Dunkirk 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 Dunkirk lenders understand the Chautauqua County housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Dunkirk Cost?
Typical costs for a mortgage refinance in New York include an origination fee of 0.5 to 1.0 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance which can cost 500 to 1500 dollars. New York also imposes a mortgage recording tax of 0.50 to 1.00 percent of the loan amount. These costs vary by lender and loan type. 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 for a mortgage refinance in Dunkirk New York?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a copy of your current mortgage statement and a property appraisal.
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 appraisal or title search takes longer than expected.
Are there New York specific fees for refinancing a mortgage?
Yes New York charges a mortgage recording tax on refinances. This tax is based on the loan amount and can range from 0.50 percent to 1.00 percent. Some lenders also charge an origination fee and title insurance costs.
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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.