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Find Mortgage Refinance Companies Near You in Middletown, NY
Directory of mortgage refinance companies in Middletown, New York. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 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 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
8454633011
OneMain Financial
731 NY-211, Middletown, NY 10941
8456923555
Heritage Financial Credit Union
161 Dolson Ave, Middletown, NY 10940
8455615607
Bill Liebertz
390 Crystal Run Rd Suite 108, Middletown, NY 10941
8458209585
Mortgage, Bank of America
364 NY-211, Middletown, NY 10940
8453753985
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.
Are there New York state laws that affect mortgage refinancing?
Yes. New York requires lenders to follow the Banking Law Article 12-D for mortgage brokers. Also, New York has a mandatory three-day right of rescission for most refinances. This gives you time to cancel the loan after signing without penalty.
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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.