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Home Equity Loan Specialists in Binghamton, NY

Directory of home equity loan specialists in Binghamton, New York. Verify credentials with the state state mortgage licensing authority before hiring.

2 agents listed
Updated June 2026
Binghamton, 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 2 home equity loan specialists in Binghamton, 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.
GHS Federal Credit Union
910 Front St, Binghamton, NY 13905
(800) 732-4447 ghsfcu.com
Supreme Lending-Mike Reid
32 W State St Suite# 209, Binghamton, NY 13901
(607) 425-2585 mysupreme.supremelending.com

A home equity loan specialist in Binghamton New York can help you access the equity in your home. New York law requires lenders to follow specific disclosure rules under General Obligations Law Section 5-501. These specialists guide you through the application process and explain local property value trends in Broome County.

What Does a Home Equity Loan Specialist in Binghamton Cost?

Typical costs for a home equity loan specialist in New York include an origination fee of 0.5% to 1% of the loan amount and appraisal fees ranging from $300 to $600. Closing costs can total 2% to 5% of the loan value. New York also charges mortgage recording tax which varies by county. This is general information and 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 home equity loan specialist do in Binghamton?
A home equity loan specialist helps you understand loan options and complete the application process. They review your property value and income to match you with suitable lenders. They also explain New York state rules on interest rates and loan terms.
What are New York requirements for home equity loans?
New York law limits interest rates on home equity loans under General Obligations Law Section 5-501. Lenders must provide a Truth in Lending disclosure and a three day right of rescission. The loan amount cannot exceed the appraised value of the home.

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