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6 agents listed
Updated May 2026
Troy, 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 6 mortgage lenders in Troy, 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
1700 5th Ave, Troy, NY 12180
5182745420
Sunmark Credit Union
722 Hoosick Rd, Troy, NY 12180
8667866275
Arrow Bank
120 Hoosick St, Troy, NY 12180
5189530109
Trustco Bank
740 Hoosick Rd, Troy, NY 12180
5182720213
NextStep Federal Credit Union
150 Defreest Dr, Troy, NY 12180
5182861611
Broadway Branch
33 3rd St, Troy, NY 12180
5182710324
Troy New York homebuyers 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 a Truth in Lending disclosure within three business days of a loan application. Working with a lender familiar with Rensselaer County property values and New York State mortgage recording tax can simplify the process.
What Does a Mortgage Lender in Troy Cost?
Typical costs for a mortgage lender in New York include an origination fee of 0.5 to 1.0 percent of the loan amount, appraisal fees of 500 to 700 dollars, and title insurance costs of 1,500 to 3,000 dollars. New York also charges a mortgage recording tax which can add 1.00 to 1.50 percent of the loan amount. Other fees may include credit report fees, underwriting fees, and attorney fees. Note that 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 Troy New York?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. Lenders in New York also require a signed application and a credit check. Self-employed borrowers may need additional profit and loss statements.
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 minimum 3 business day review period for the Closing Disclosure before closing. Delays can occur if appraisals or title searches take longer.
What is the New York mortgage recording tax and who pays it?
The mortgage recording tax is a fee paid to the county when a mortgage is recorded. In New York, the tax is typically paid by the borrower and varies by county. In Rensselaer County the rate is approximately 1.00 percent of the mortgage amount for most loans.
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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.