Find Mortgage Refinance Companies Near You in Melville, NY
Compare mortgage refinance companies in Melville. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of New York before hiring.
Showing 20 mortgage refinance companies in Melville, NY
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What Does a Mortgage Refinance Company in Melville Cost?
Typical costs for a mortgage refinance in New York include an application fee of $300 to $500, appraisal fee of $400 to $700, and title search fees of $500 to $1,000. New York mortgage recording tax in Suffolk County is about 1.8% of the loan amount. Attorney review fees can range from $500 to $1,500. These costs vary by lender and loan type. 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 documents do I need for a mortgage refinance in Melville New York?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders may also require a property appraisal and a copy of your current mortgage note.
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. New York law allows a three day right of rescission after closing for most refinances, which adds to the timeline.
Are there New York specific fees for refinancing a mortgage?
Yes, New York charges a mortgage recording tax which can be 1.8% or more of the loan amount depending on the county. Suffolk County has an additional tax. You may also pay title insurance and attorney fees required by New York law.