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Find First-Time Home Buyer Specialists in Port Jefferson Station, NY
Browse first-time home buyer specialists serving Port Jefferson Station, New York. Contact information and addresses listed below.
5 agents listed
Updated June 2026
Port Jefferson Station, 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 State Mortgage Licensing Authority of New York before hiring.
Showing 5 first-time home buyer specialists in Port Jefferson Station, 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.
What Does a First-Time Home Buyer Specialist in Port Jefferson Station Cost?
Typical costs for a first-time home buyer specialist in New York range from 2.5 percent to 3 percent of the purchase price as a commission, often paid by the seller. Additional costs include a mortgage origination fee of 0.5 percent to 1 percent of the loan amount, appraisal fees of 400 to 600 dollars, and title insurance averaging 0.5 percent of the purchase price. New York also charges a mortgage recording tax of 0.8 percent to 1.8 percent on 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 does a first-time home buyer specialist do in Port Jefferson Station?
A first-time home buyer specialist helps you understand New York specific programs like SONYMA loans and the Mortgage Recording Tax exemption. They also assist with pre-approval, property search, and negotiating the purchase contract. Their goal is to simplify the process for buyers who have never owned a home before.
What New York programs are available for first-time home buyers in Port Jefferson Station?
New York offers the SONYMA Achieving the Dream program with a 3 percent down payment option and no mortgage insurance. The Community Preservation Corporation (CPC) also provides low interest loans. Local down payment assistance may be available through Suffolk County programs for eligible buyers.
How long does the first-time home buying process take in New York?
The typical process from offer to closing takes 45 to 60 days in New York. This includes time for attorney review, title search, appraisal, and mortgage underwriting. New York law requires a 3 day attorney review period after the contract is signed.
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Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of New York.