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Find VA Loan Specialists Near You in Schenectady, NY
Directory of va loan specialists in Schenectady, New York. Verify credentials with the state mortgage licensing authority before hiring.
5 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 5 va loan specialists 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
Trustco Bank
1416 Curry Rd, Schenectady, NY 12306
5183558330
Schenectady VA Clinic
1400 Altamont Ave Suite 180, Schenectady, NY 12303
5183463334
Schenectady County Veterans Services
797 Broadway # 3, Schenectady, NY 12305
5183772423
Mortgage Loans - Schenectady
218 Union St, Schenectady, NY 12305
8443841729
VA loan specialists in Schenectady help veterans and active duty service members obtain home financing with no down payment. New York law requires all mortgage loan originators to be licensed through the New York State Department of Financial Services. These specialists guide clients through the VA certificate of eligibility process and local property tax exemptions available in Schenectady County.
What Does a VA Loan Specialist in Schenectady Cost?
Typical costs for a VA loan specialist in New York include an origination fee of 0.5 to 1 percent of the loan amount. Third party fees like appraisal and credit report range from $500 to $1,000. The VA funding fee is 2.15 percent for first time use with zero down payment. This fee is waived for disabled veterans. Costs vary by lender and loan size. 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 Schenectady?
You must have served 90 consecutive days of active service during wartime or 181 days during peacetime. National Guard and Reserve members need six years of service. A valid VA Certificate of Eligibility is required.
Does New York have specific VA loan limits for Schenectady?
New York does not impose additional loan limits beyond the standard VA rules. In 2024 the conforming loan limit for Schenectady County is $766,550. Higher limits may apply for multi-unit properties.
Can I use a VA loan for a condominium in Schenectady?
Yes but the condo complex must be on the VA approved list. Schenectady has several approved developments. Your specialist can check the VA database for eligibility before you make an offer.
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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.