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Directory of mortgage brokers in Schenectady, New York. Verify credentials with the state mortgage licensing authority before hiring.
14 agents listed
Updated May 2026
Schenectady, 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 14 mortgage brokers in Schenectady, 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.
Trustco Bank
1400 Altamont Ave, Schenectady, NY 12303
5183561317
Signature Home Buyers NY
1739 Altamont Ave, Schenectady, NY 12303
5188518050
Trustco Bank
1048 State St, Schenectady, NY 12307
5183464295
OneMain Financial
1400 Altamont Ave, Schenectady, NY 12303
5183579761
Trustco Bank
3461 State St, Schenectady, NY 12304
5183772264
Sunmark Credit Union
1616 Broadway, Schenectady, NY 12306
8667866275
Trustco Bank
1475 Balltown Rd, Schenectady, NY 12309
5183772460
Melissa Matey, Real Estate Associate Broker
1801 Altamont Ave Suite 1, Schenectady, NY 12303
5188522006
Thompson Real Estate Team
430 Franklin St Suite 2311, Schenectady, NY 12305
5185454776
Trustco Bank
1416 Curry Rd, Schenectady, NY 12306
5183558330
Trustco Bank
3900 Carman Rd, Schenectady, NY 12303
5183554890
William Coons, Howard Hanna
480 Balltown Rd Suite 2, Schenectady, NY 12304
5186052442
Howard Hanna Niskayuna/Schenectady
480 Balltown Rd Suite 2, Schenectady, NY 12304
5183703170
Mortgage Loans - Schenectady
218 Union St, Schenectady, NY 12305
8443841729
Mortgage brokers in Schenectady New York help borrowers find home loan options from multiple lenders. They guide clients through New York State requirements including the mandatory attorney review period for residential mortgages. Brokers also assist with local programs such as the New York State Mortgage Assistance Program for eligible homeowners.
What Does a Mortgage Broker in Schenectady Cost?
Mortgage broker fees in New York typically range from 1% to 2% of the loan amount. For a $300,000 loan this means $3,000 to $6,000. Some brokers charge a flat fee of $2,500 to $5,000. You may also pay application fees appraisal fees and credit report costs. New York law requires full disclosure of all compensation. 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 do in Schenectady New York?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information shop for loan products and help you complete the application. In New York brokers must be licensed by the Department of Financial Services.
Are mortgage brokers required to disclose fees in New York?
Yes New York law requires brokers to provide a Good Faith Estimate of all fees within three business days of receiving your application. This includes origination fees broker compensation and third party charges. Always review this document carefully.
How long does a mortgage application take in Schenectady?
The typical mortgage process in New York takes 30 to 45 days from application to closing. New York requires a mandatory attorney review period of at least three business days for purchase loans. Delays can occur if additional documentation is needed.
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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.