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Compare Mortgage Refinance Companies in Johnson City, NY
Compare mortgage refinance companies in Johnson City. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Johnson City, 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 Johnson City, 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.
OneMain Financial
365R Harry L Dr, Johnson City, NY 13790
6077979523
Absolute Home Mortgage Corporation
520 Columbia Dr suite 207, Johnson City, NY 13790
6072169832
A mortgage refinance company in Johnson City, New York helps homeowners replace their existing home loan with a new one. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies can guide you through the process and explain how property taxes in Broome County may affect your new loan terms.
What Does a Mortgage Refinance Company in Johnson City Cost?
Typical costs for a mortgage refinance in New York include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Closing costs generally range from 2% to 5% of the loan amount. New York law requires lenders to disclose all fees in the Loan Estimate. Note that 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 minimum credit score to refinance in Johnson City New York?
Most lenders require a credit score of at least 620 for conventional refinancing. FHA loans may accept scores as low as 580. New York law does not set a specific minimum score but lenders have their own standards.
How long does a mortgage refinance take in New York?
A typical refinance in New York takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title search takes extra time. New York does not have a statutory time limit for the process.
Are there New York specific taxes on refinancing?
New York does not impose a mortgage recording tax on refinances unless the loan amount increases. If you take cash out, the additional amount may be subject to the tax. The tax rate varies by county and is typically 0.5% to 1.0% of the new money.
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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.