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Find Mortgage Refinance Companies in Oceanside, NY
Compare mortgage refinance companies in Oceanside. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Oceanside, 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 Oceanside, 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.
Legacy Financial
2873 Long Beach Rd, Oceanside, NY 11572
5167648800
Brandon Bowden
2949 Long Beach Rd suite 11, Oceanside, NY 11572
5164769989
Chase Home Lending
3285 Long Beach Rd, Oceanside, NY 11572
5165325103
Mortgage refinance companies in Oceanside New York help homeowners lower their interest rate or change loan terms. New York law requires lenders to provide a good faith estimate of closing costs within three business days of application. Local Oceanside companies understand Nassau County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Oceanside 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 of $1,000 to $2,500. New York mortgage recording tax ranges from 0.25% to 1.0% of the loan amount. Total closing costs often range from 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 for a mortgage refinance in Oceanside New York?
You typically need recent 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 statement.
How long does a mortgage refinance take in New York?
A standard refinance in New York takes 30 to 45 days from application to closing. New York law mandates a three day right of rescission after closing for most refinances, which adds to the timeline.
Are there New York specific fees for refinancing a mortgage?
Yes. New York charges a mortgage recording tax on refinances, which can be 0.25% to 1.0% of the loan amount. You may also pay a state required title search fee and an attorney review fee.
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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.