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Directory of mortgage lenders in Niskayuna, New York. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Niskayuna, 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 2 mortgage lenders in Niskayuna, 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.
TD Bank
2301 Nott St E, Niskayuna, NY 12309
5183470526
First New York Federal Credit Union
1776 Union St, Niskayuna, NY 12309
5183931326
Mortgage lenders in Niskayuna, New York help homebuyers secure financing for residential properties. New York law requires lenders to follow strict disclosure rules under the Real Property Law, including providing a Good Faith Estimate of closing costs. Local lenders can guide you through the process for homes in Schenectady County and the surrounding Capital Region.
What Does a Mortgage Lender in Niskayuna Cost?
Typical costs for a mortgage lender in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance premiums of about 0.5% of the purchase price. Closing costs in New York generally range from 2% to 5% of the home price. 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 documents do I need to apply for a mortgage in Niskayuna?
You typically need pay stubs, tax returns, bank statements, and proof of assets. New York lenders also require a signed disclosure form under General Business Law Section 352-e for co-op purchases.
How long does mortgage approval take in New York?
The process usually takes 30 to 45 days from application to closing. New York law mandates a three-day right of rescission for refinances under federal Truth in Lending Act rules.
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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.