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Find Mortgage Lenders Near You in Sayville, NY

Directory of mortgage lenders in Sayville, New York. Verify credentials with the state state mortgage licensing authority before hiring.

10 agents listed
Updated June 2026
Sayville, 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 10 mortgage lenders in Sayville, 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.
Island Federal Credit Union
4820 Sunrise Hwy, Sayville, NY 11782
(631) 851-1100 islandfcu.org
Suffolk Credit Union
213 N Main St, Sayville, NY 11782
(631) 924-8000 suffolkcu.org
The Mortgage Outlet
280 W Main St, Sayville, NY 11782
(631) 589-3600 themortgageoutlet.org
James Martino | NMLS# 68178
4842 Sunrise Hwy, Sayville, NY 11782
(631) 889-1090
LuxeRates, LLC
100 S Main St suite 202, Sayville, NY 11782
(516) 234-0289 luxerates.com
Michael Greenlick - Contour Mortgage
2 S Main St Ste D, Sayville, NY 11782
(516) 361-1040 contourmortgage.com
Mid-Island Mortgage Corp.
2 N Main St #4, Sayville, NY 11782
(631) 737-0500 mortgagecorp.com
Contour Mortgage - Sayville
2 S Main St Ste D, Sayville, NY 11782
(631) 824-8055 contourmortgage.com
Nichol Bodden - Mortgage Loan Officer
188 N Main St, Sayville, NY 11782
(631) 767-4588 tdbank.com
Chase Home Lending
131 W Main St, Sayville, NY 11782
(832) 564-8777 homelendingadvisor.chase.com

Mortgage lenders in Sayville New York help homebuyers and homeowners secure financing for property purchases and refinancing. New York law requires lenders to follow strict licensing rules under the New York Banking Law. Local lenders understand the unique real estate market in Suffolk County and can guide you through the loan process.

What Does a Mortgage Lender in Sayville 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, and title insurance costs of $1,000 to $3,000. Closing costs in New York generally range from 2 to 5 percent of the purchase price. These costs can vary based on the loan type and property location. 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 Sayville New York?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders may also require a property appraisal and title search.
How long does the mortgage process take in New York?
The process usually takes 30 to 60 days from application to closing. New York law requires a three-day right of rescission for refinances under federal law.
What are the typical down payment requirements for a mortgage in Sayville?
Down payments vary by loan type. Conventional loans often require 5 to 20 percent down, while FHA loans may allow as little as 3.5 percent. New York first-time homebuyer programs can offer lower down payment options.

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