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Directory of mortgage lenders in Albany, New York. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Albany, 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 20 mortgage lenders in Albany, 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.
Homestead Funding Corp: Mark W. Foley | NMLS# 148387
8 Airline Dr, Albany, NY 12205
5182921614
Homestead Funding Corp: Joanna Taft | NMLS# 66631
8 Airline Dr, Albany, NY 12205
5185889455
Syracuse Securities Inc
1881 Western Ave, Albany, NY 12203
5182810077
Mortgage lenders in Albany New York help home buyers and homeowners secure financing for residential properties. New York law requires lenders to follow strict licensing rules under the New York Banking Law. Local lenders often work with first-time buyers and those using state programs like SONYMA.
What Does a Mortgage Lender in Albany Cost?
Typical costs for a mortgage lender in New York include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Closing costs in New York often total 2 to 5 percent of the purchase price. 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 documents do I need to apply for a mortgage in Albany?
You typically need pay stubs, tax returns, bank statements, and photo ID. New York lenders also require proof of homeowners insurance and a property appraisal.
How long does the mortgage process take in New York?
The process usually takes 30 to 45 days from application to closing. New York law requires a three-day right of rescission for most refinances under federal law.
What is the minimum down payment for a home in Albany?
Conventional loans often require 3 to 5 percent down. FHA loans allow 3.5 percent down, and VA and USDA loans may require zero down for eligible borrowers.
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Legal Notice
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.