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Find Mortgage Refinance Companies in Schenectady, NY
Looking for a mortgage refinance company in Schenectady? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Schenectady, 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 Schenectady, 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
1400 Altamont Ave, Schenectady, NY 12303
5183579761
Mortgage Loans - Schenectady
218 Union St, Schenectady, NY 12305
8443841729
Services Financial
Schenectady, NY 12309
5183777323
Mortgage refinance companies in Schenectady New York help homeowners lower their interest rate or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Schenectady property values and the specific requirements of New York State mortgage regulations.
What Does a Mortgage Refinance Company in Schenectady Cost?
Typical costs for a mortgage refinance in New York include an origination fee of 0.5 to 1 percent of the loan amount plus appraisal fees of 400 to 700 dollars and title insurance of 500 to 1500 dollars. New York also imposes a mortgage recording tax which in Schenectady County is about 1.05 percent of the loan. Closing costs often total 2 to 5 percent of the loan amount. 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 Schenectady New York?
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. New York law mandates a three-day right of rescission after signing for most refinances.
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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.