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Directory of mortgage lenders in St James, New York. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
St James, 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 4 mortgage lenders in St James, 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.
RELI (Real Estate Long Island) - Jorge Gonzalez
419-4 N Country Rd, St James, NY 11780
6319317354
All Shores Mortgage
452 Lake Ave, St James, NY 11780
6316865200
Coast to Coast Commercial Capital, Inc
409 Lake Ave, St James, NY 11780
6315518002
Henry Schimmel - Mortgage Loan Officer
621 Lake Ave, St James, NY 11780
6316625208
St James, New York residents have access to mortgage lenders who can help with home purchase loans and refinancing. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services. Local lenders understand the specific property values and market conditions in Suffolk County.
What Does a Mortgage Lender in St James 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 $500 to $700, and title insurance costs of $1,500 to $3,000. New York also charges a mortgage recording tax which varies by county; in Suffolk County it is 1.05% of the loan amount for mortgages over $500,000. Other costs include credit report fees, attorney fees, and survey costs. 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 are the New York mortgage licensing requirements for lenders in St James?
All mortgage loan originators in New York must hold a valid license from the New York State Department of Financial Services. This includes passing a background check and completing pre-licensing education. Lenders in St James must follow these same state regulations.
How long does a typical mortgage application take in New York?
A standard mortgage application in New York usually takes 45 to 60 days from application to closing. New York law requires specific disclosure forms and a three-day right of rescission for most refinances. Delays can occur if property title issues arise.
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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.