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Looking for a mortgage broker in Bay Shore? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Bay Shore, 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 6 mortgage brokers in Bay Shore, 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.
Artisan Mortgage Company, Inc.
134 4th Ave, Bay Shore, NY 11706
6318599414
William ODonnell | Realtor
160 Howells Rd STE 29, Bay Shore, NY 11706
6314172575
Ramsay Realtors
236 W Main St, Bay Shore, NY 11706
6316651500
Senior Reverse Network | Reverse Mortgage
111 W Main St #110, Bay Shore, NY 11706
8555534732
Mortgage Modification Preparation Service
Bay Shore, NY 11706
5164788383
Tom Kain - Mortgage Loan Officer
479 Montauk Hwy, Bay Shore, NY 11706
8563837260
Mortgage brokers in Bay Shore, New York help home buyers and refinancing homeowners find suitable loan products from various lenders. New York State law requires mortgage brokers to be licensed by the Department of Financial Services and to provide a detailed Loan Estimate within three business days of a loan application. Bay Shore offers a mix of suburban homes and waterfront properties, making local broker expertise valuable for navigating Suffolk County property values and New York specific closing costs.
What Does a Mortgage Broker in Bay Shore Cost?
Mortgage broker fees in New York generally range from 1 percent to 2 percent of the loan amount. For a $400,000 loan, this could be $4,000 to $8,000. Some brokers charge a flat fee of $3,000 to $5,000. Additional costs may include application fees, appraisal fees, and title insurance. New York law requires brokers to disclose all fees in writing. 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 mortgage broker in Bay Shore do?
A mortgage broker acts as an intermediary between you and multiple lenders to find a home loan that fits your needs. They handle paperwork, compare interest rates and terms, and guide you through the application process. In New York, brokers must follow strict disclosure rules under the New York Banking Law.
How do I choose a mortgage broker in Bay Shore?
Look for a broker who is licensed with the New York State Department of Financial Services and has experience with local Bay Shore properties. Check their reputation through online reviews and ask about their fee structure upfront. A good broker will explain all costs and answer your questions clearly.
What are the typical costs for a mortgage broker in New York?
Mortgage brokers in New York typically charge an origination fee of 0.5 percent to 2.75 percent of the loan amount. Some brokers also receive a yield spread premium from the lender. You should receive a written Good Faith Estimate and Loan Estimate showing all fees before you commit.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.