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Directory of mortgage lenders in Saratoga Springs, New York. Verify credentials with the state state mortgage licensing authority before hiring.
15 agents listed
Updated June 2026
Saratoga Springs, 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 15 mortgage lenders in Saratoga Springs, 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.
Saratoga Springs home buyers and homeowners can work with local mortgage lenders to secure financing for a home purchase or refinance. New York law requires lenders to provide a Good Faith Estimate and follow specific disclosure rules under the Real Property Law. Working with a lender familiar with the Saratoga County market can help streamline the loan process.
What Does a Mortgage Lender in Saratoga Springs Cost?
Typical costs for a mortgage in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance which can cost 1,000 to 2,000 dollars. Closing costs generally range from 2% to 5% of the purchase price. New York also charges a mortgage recording tax which varies by county. 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 Saratoga Springs?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders also require a signed application and a credit check.
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 refinances under certain conditions.
Are there special mortgage programs for first time buyers in New York?
Yes, New York offers programs like the State of New York Mortgage Agency (SONYMA) which provides low down payment options and reduced interest rates for eligible first time buyers. Local lenders in Saratoga Springs can help you apply.
Get matched with agents in Saratoga Springs who handle your type of case.
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Legal Notice
BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of New York.