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Compare Home Equity Loan Specialists in St James, NY

Browse home equity loan specialists serving St James, New York. Contact information and addresses listed below.

2 agents listed
Updated June 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 State Mortgage Licensing Authority of New York before hiring.
Showing 2 home equity 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
(631) 686-5200 allshoresmortgage.com
Coast to Coast Commercial Capital, Inc
409 Lake Ave, St James, NY 11780
(631) 551-8002 coasttocoastcommercialcapital.com

A home equity loan specialist in St James, New York helps homeowners access the equity in their property. New York law requires lenders to follow strict disclosure rules under General Obligations Law Section 5-501. This specialist can guide you through the application process and explain local property value trends in Suffolk County.

What Does a Home Equity Loan Specialist in St James Cost?

Typical costs for a home equity loan specialist in New York include an origination fee of 1 to 2 percent of the loan amount, an appraisal fee of 300 to 600 dollars, and title search fees of 200 to 400 dollars. Closing costs for a home equity loan in New York range from 2 to 5 percent of the loan amount. These costs vary by lender and loan size. 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 St James?
A home equity loan specialist helps you understand loan options, such as a lump sum or line of credit. They review your property value and credit history to find suitable lenders. In New York, they must comply with state usury laws that limit interest rates.
What are the requirements for a home equity loan in New York?
You typically need at least 20 percent equity in your home and a good credit score. New York law requires lenders to provide a Truth in Lending disclosure within three business days. You also need to meet debt-to-income ratio standards set by the lender.

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