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Showing 2 mortgage refinance companies in Islandia, 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.
Mainstay Mortgage Corporation
1455 Veterans Memorial Hwy, Islandia, NY 11749
6317921800
Origin Mortgage
1601 Veterans Memorial Hwy Suite 220, Islandia, NY 11749
6312573228
What Does a Mortgage Refinance Company in Islandia 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 costs of $1,000 to $2,500. Closing costs generally range from 2 to 5 percent of the loan amount. New York also imposes a mortgage recording tax, which in Suffolk County is about 1.05 percent for loans over $500,000. 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 a mortgage in Islandia?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a signed disclosure form within three business days of application.
How long does a mortgage refinance take in New York?
A standard refinance in New York usually takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title search takes longer than expected.
Are there New York-specific fees for refinancing?
Yes. New York charges a mortgage recording tax on refinances, which varies by county. In Suffolk County, where Islandia is located, the tax is approximately 1.05 percent of the loan amount for loans over $500,000.