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Find Mortgage Lenders Near You in Valley Stream, NY
Directory of mortgage lenders in Valley Stream, New York. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
Valley Stream, 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 10 mortgage lenders in Valley Stream, 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.
Madison Mortgage - Team Ben Lavender
38 S Central Ave, Valley Stream, NY 11580
9176707878
Jovia Financial Credit Union
264 E Merrick Rd, Valley Stream, NY 11582
5165610030
Carrell Mortgage Corporation
169 Rockaway Ave, Valley Stream, NY 11580
9177441153
State Capital Group Corp
300A N Central Ave, Valley Stream, NY 11580
5168817784
Mitchell Funding-Valley Stream
20 W Lincoln Ave, Valley Stream, NY 11580
5168720830
Shah Tehrany - Mortgage Broker
38 S Central Ave, Valley Stream, NY 11580
5165179900
Ac Shortsale modification
962 Rockaway Ave, Valley Stream, NY 11581
7187473047
Chase Home Lending
163 W Merrick Rd, Valley Stream, NY 11580
5165680764
Chase Home Lending
270 N Central Ave, Valley Stream, NY 11580
5166692674
Chase Mortgage
1200 West Walk, Valley Stream, NY 11581
5165683211
Mortgage lenders in Valley Stream, New York help homebuyers and homeowners secure financing for property purchases or refinancing. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services. Working with a local lender can simplify the process of understanding New York specific requirements like the mortgage recording tax and escrow rules.
What Does a Mortgage Lender in Valley Stream Cost?
Typical costs for a mortgage lender in New York include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $500 to $700, and a credit report fee of $30 to $50. Closing costs in New York generally range from 2% to 5% of the purchase price, including the mortgage recording tax and title insurance. These amounts vary by lender and loan type. 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 Valley Stream?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New York lenders may also require a copy of your lease if you are buying a multi-family property.
How long does a mortgage closing take in New York?
A standard mortgage closing in New York usually takes 45 to 60 days from application. This timeline can vary based on property type and lender workload. New York law does not set a specific closing deadline but requires timely disclosure of loan terms.
What is the mortgage recording tax in New York?
New York imposes a mortgage recording tax when you record a mortgage with the county clerk. In Nassau County, which includes Valley Stream, the rate is 1.05% of the mortgage amount for loans under $500,000. This tax is paid at closing and is separate from lender fees.
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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.