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Showing 3 mortgage refinance companies in Ardsley, 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
33-35 Center St, Ardsley, NY 10502
9146933254
Scott Syre - Chase Home Lending Advisor - NMLS ID 404770
875 Saw Mill River Rd, Ardsley, NY 10502
9142278598
Chase Home Lending
875 Saw Mill River Rd, Ardsley, NY 10502
9142278598
What Does a Mortgage Refinance Company in Ardsley Cost?
Typical costs for a mortgage refinance in New York include an application fee of $300 to $500, an appraisal fee of $400 to $700, and title search fees of $500 to $1,000. Closing costs often total 2% to 5% of the loan amount. New York also charges a mortgage recording tax, which can be significant. These costs vary by lender and loan type. 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 for a mortgage refinance in Ardsley?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal to confirm home value.
How long does a mortgage refinance take in New York?
The refinance process in New York usually takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the appraisal is slow.
Are there New York state taxes on mortgage refinancing?
New York imposes a mortgage recording tax on refinances, which varies by county. In Westchester County, the tax is 1.05% of the loan amount for loans over $500,000. This tax is paid at closing.