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Find Mortgage Refinance Companies Near You in Guilderland, NY
Browse mortgage refinance companies serving Guilderland, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Guilderland, 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 2 mortgage refinance companies in Guilderland, 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.
Sunmark Credit Union
2115 Western Ave, Guilderland, NY 12084
8667866275
NBT Bank
5 New Karner Rd, Guilderland, NY 12084
5184522507
Mortgage refinance companies in Guilderland, New York help homeowners lower their interest rates or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Albany County real estate market and can guide you through state-specific regulations.
What Does a Mortgage Refinance Company in Guilderland 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 insurance of $1,000 to $2,000. Closing costs generally range from 2% to 5% of the loan amount. 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 refinance in Guilderland?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a copy of your current mortgage note.
How long does a mortgage refinance take in New York?
The process usually takes 30 to 45 days from application to closing. New York law requires a three-day right of rescission after signing for most refinances.
Are there New York state taxes on refinancing?
New York does not impose a mortgage recording tax on refinances if the original mortgage is satisfied. However, you may pay a small fee for recording the new mortgage with the Albany County Clerk.
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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.