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Compare Mortgage Refinance Companies in Middletown, NY

Browse mortgage refinance companies serving Middletown, New York. Contact information and addresses listed below.

5 agents listed
Updated June 2026
Middletown, 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 State Mortgage Licensing Authority of New York before hiring.
Showing 5 mortgage refinance companies in Middletown, 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.
Hudson Valley Credit Union
40 Lloyds Ln, Middletown, NY 10940
(845) 463-3011 hvcu.org
OneMain Financial
731 NY-211, Middletown, NY 10941
(845) 692-3555 onemainfinancial.com
Heritage Financial Credit Union
161 Dolson Ave, Middletown, NY 10940
(845) 561-5607 heritagefcu.com
Bill Liebertz
390 Crystal Run Rd Suite 108, Middletown, NY 10941
(845) 820-9585 locations.valley.com
Mortgage, Bank of America
364 NY-211, Middletown, NY 10940
(845) 375-3985 bankofamerica.com

Middletown homeowners looking to lower their monthly payments or access equity can work with a mortgage refinance company. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Orange County property values and can guide you through the process.

What Does a Mortgage Refinance Company in Middletown Cost?

Typical costs for a mortgage refinance in New York include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance which can cost $1,000 to $2,000. Closing costs in Orange County often range from $3,000 to $7,000. These amounts vary based on your loan size and lender. 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 to refinance a mortgage in Middletown New York?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a credit check. Gather these items before you apply to speed up the process.
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 happen if the appraisal is slow or if there are title issues. Your lender will give you a timeline estimate after your initial consultation.

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