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Browse va loan specialists serving Bay Shore, New York. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Bay Shore, 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 va loan specialists in Bay Shore, 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.
Artisan Mortgage Company, Inc.
134 4th Ave, Bay Shore, NY 11706
6318599414
Senior Reverse Network | Reverse Mortgage
111 W Main St #110, Bay Shore, NY 11706
8555534732
Chase Mortgage
537 E Main St, Bay Shore, NY 11706
6319688600
A VA loan specialist in Bay Shore, New York helps veterans, active duty service members, and eligible surviving spouses secure home financing with no down payment. New York State law requires all mortgage loan originators to be licensed, and VA loans in Suffolk County often involve specific property appraisal rules for coastal flood zones. A local specialist can guide you through the Certificate of Eligibility process and New York specific closing procedures.
What Does a VA Loan Specialist in Bay Shore Cost?
Typical costs for a VA loan specialist in Bay Shore, New York include an origination fee of up to 1 percent of the loan amount, plus third party fees for appraisal (400 to 700 dollars), credit report (30 to 50 dollars), and title search (500 to 1,000 dollars). The VA funding fee ranges from 1.4 to 3.6 percent of the loan amount depending on down payment and service category. New York also charges mortgage recording tax, which varies by county. 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 are the eligibility requirements for a VA loan in Bay Shore?
You must meet VA service requirements, such as 90 consecutive days of active service during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility from the VA. New York does not impose additional state level eligibility rules beyond federal requirements.
Are there New York specific property requirements for VA loans?
Yes. In Bay Shore, properties must meet VA minimum property requirements and may need a flood zone determination due to coastal location. New York law also requires a termite inspection in certain areas. The VA appraiser will check for safety and structural soundness.
How long does a VA loan closing take in New York?
A typical VA loan closing in New York takes 30 to 45 days from application to closing. Delays can occur if the property is in a flood zone or if additional appraisals are needed. New York requires a mandatory 3 day right of rescission after signing loan documents.
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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.