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Find Mortgage Refinance Companies in Lake Ronkonkoma, NY
Directory of mortgage refinance companies in Lake Ronkonkoma, New York. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Lake Ronkonkoma, 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 Lake Ronkonkoma, 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.
Contour Mortgage - Ronkonkoma
4949 Express Dr N Ste 103, Lake Ronkonkoma, NY 11779
5168487034
Dave Trabosh - Contour Mortgage
4949 Express Dr N, Lake Ronkonkoma, NY 11779
5168487034
Mortgage refinance companies in Lake Ronkonkoma help homeowners adjust their loan terms or lower their interest rates. New York law requires lenders to provide clear disclosures under the Truth in Lending Act. Local companies can guide you through the process and explain state-specific rules like the New York mortgage recording tax.
What Does a Mortgage Refinance Company in Lake Ronkonkoma Cost?
Typical costs for refinancing 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 usually total 2 to 5 percent of the loan amount. New York also charges a mortgage recording tax, which can be 0.5 to 1.0 percent of the loan. These costs vary by lender and property value. 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 Lake Ronkonkoma?
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 deed.
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, which can add time for certain loans.
Are there closing costs for refinancing in New York?
Yes closing costs often range from 2 to 5 percent of the loan amount. In New York you may also pay a mortgage recording tax, which varies by county and loan size.
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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.