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 Farmingville, 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.
Atlantic Home Capital - Mortgage Lender New York
627 Horseblock Road, Farmingville, NY 11738
6316873510
Insula Capital Group
627 Horseblock Road, Farmingville, NY 11738
8333193517
Kareem Alexander Baldwin NMLS#26812
627 Horseblock Road, Farmingville, NY 11738
6313947640
Reverse Mortgage Mitch Brand NMLS 66800
118 Overlook Dr, Farmingville, NY 11738
5163538584
Chase Mortgage
2430 N Ocean Ave, Farmingville, NY 11738
6317360700
Daniel Smiles - Mortgage Loan Officer
949 Horseblock Road, Farmingville, NY 11738
6314048937
What Does a Mortgage Refinance Company in Farmingville Cost?
Typical costs for a mortgage refinance in New York include an application fee of $300 to $500, an appraisal fee of $400 to $700, and title insurance costing 0.5% to 1% of the loan amount. Closing costs generally range from 2% to 5% of the principal. New York also charges a mortgage recording tax, which in Suffolk County is 0.80% for loans over $500,000 and 0.55% for smaller loans. 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 Farmingville?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a copy of your current mortgage note.
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 state taxes on mortgage refinancing?
New York imposes a mortgage recording tax on refinances, which is based on the loan amount. In Suffolk County, the tax is 0.80% of the mortgage principal for loans over $500,000, with lower rates for smaller amounts.