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Directory of mortgage refinance companies in Binghamton, New York. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Binghamton, 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 3 mortgage refinance companies in Binghamton, 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.
GHS Federal Credit Union
910 Front St, Binghamton, NY 13905
8007324447
Supreme Lending-Mike Reid
32 W State St Suite# 209, Binghamton, NY 13901
6074252585
First Niagara Mortgage
65 Court St, Binghamton, NY 13901
6077725412
Mortgage refinance companies in Binghamton help homeowners lower their interest rates or change loan terms. New York law requires lenders to provide a Good Faith Estimate and a Truth in Lending disclosure within three business days of application. Local brokers can guide you through New York specific rules like the state mortgage recording tax.
What Does a Mortgage Refinance Company in Binghamton Cost?
Typical costs for a mortgage refinance in New York include an origination fee of 0.5 to 1 percent of the loan amount plus appraisal fees of 400 to 700 dollars. Title insurance and recording taxes can add 1,500 to 3,000 dollars. Costs vary by loan size and lender. 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 is the typical timeline for refinancing in Binghamton New York?
A standard refinance in New York takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title search is needed. Your lender must provide a Loan Estimate within three business days of your application.
Are there New York state taxes on mortgage refinancing?
Yes New York imposes a mortgage recording tax on refinances. The tax rate varies by county and loan amount. In Broome County the tax is typically 0.75 percent of the loan amount for a refinance.
What documents do I need for a refinance application in Binghamton?
You will need pay stubs tax returns bank statements and a photo ID. Self-employed borrowers may need additional profit and loss statements. Your lender will also require a property appraisal.
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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.