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Browse va loan specialists serving St James, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
St James, 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 2 va loan specialists in St James, 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.
All Shores Mortgage
452 Lake Ave, St James, NY 11780
6316865200
Henry Schimmel - Mortgage Loan Officer
621 Lake Ave, St James, NY 11780
6316625208
VA loan specialists in St James, New York help veterans, active duty service members, and eligible surviving spouses obtain home financing with no down payment and competitive interest rates. Under New York law, VA loans are exempt from certain mortgage recording taxes, which can reduce closing costs for qualified borrowers. These specialists guide clients through the Certificate of Eligibility process and connect them with VA-approved lenders in Suffolk County.
What Does a VA Loan Specialist in St James Cost?
VA loan specialists in St James typically charge a flat fee or a percentage of the loan amount for their services. Fees often range from 500 to 1,500 dollars for consultation and document preparation, while full mortgage broker services may cost 1% to 2% of the loan value. In New York, closing costs for VA loans average 3% to 5% of the purchase price, but the mortgage recording tax exemption can reduce this by up to 1.5%. Costs vary by lender, loan size, and property type. 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 St James?
To qualify for a VA loan in St James, you must meet service requirements set by the Department of Veterans Affairs, such as 90 days of active service during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility. New York does not impose additional state-specific eligibility rules beyond federal guidelines.
How does the VA loan funding fee work in New York?
The VA funding fee is a one-time charge paid at closing, ranging from 1.4% to 3.6% of the loan amount depending on your down payment and service category. In New York, this fee can be financed into the loan or paid upfront. Veterans with a service-connected disability are exempt from the funding fee.
Are there New York-specific tax benefits for VA loan borrowers?
Yes, New York exempts VA loans from the mortgage recording tax, which typically costs 0.75% to 1.5% of the loan amount in Suffolk County. This exemption applies to loans made to qualified veterans and can save borrowers thousands of dollars at closing. You must provide your DD-214 or other proof of service to claim this exemption.
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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.