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Browse mortgage lenders serving Schenectady, New York. Contact information and addresses listed below.
16 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 16 mortgage lenders 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
Trustco Bank
1620 Union St, Schenectady, NY 12309
5183744056
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
Sunmark Credit Union
1300 Altamont Ave, Schenectady, NY 12303
8667866275
Trustco Bank
1416 Curry Rd, Schenectady, NY 12306
5183558330
Sunmark Credit Union
404 Princetown Rd, Schenectady, NY 12306
8667866275
Trustco Bank
3900 Carman Rd, Schenectady, NY 12303
5183554890
Trustco Bank
959 Crane St, Schenectady, NY 12303
5183461267
NBT Bank
433 State St Suite 130, Schenectady, NY 12305
5183814512
Hudson Valley Credit Union
120 Mansion Boulevard, Schenectady, NY 12304
8454633011
Mortgage Loans - Schenectady
218 Union St, Schenectady, NY 12305
8443841729
Crown Home Mortgage
34 Jay St Suite 3A, Schenectady, NY 12305
8027557214
Mortgage lenders in Schenectady New York help homebuyers secure financing for residential properties. New York law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local lenders understand the Schenectady real estate market and can guide you through the state specific mortgage process.
What Does a Mortgage Lender in Schenectady 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 of 500 to 1,500 dollars. Closing costs in Schenectady often total 2 to 5 percent 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 Schenectady New York?
You typically need pay stubs, tax returns, bank statements, and identification. New York lenders also require a signed purchase contract and proof of homeowners insurance before closing.
How long does a mortgage application take in Schenectady 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 most refinance loans after closing.
What is the minimum down payment for a mortgage in Schenectady New York?
Conventional loans often require 3 percent down. FHA loans allow 3.5 percent down. New York first time homebuyer programs may offer down payment assistance up to 5 percent of the purchase price.
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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.