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Find Mortgage Refinance Companies Near You in New Hartford, NY
Looking for a mortgage refinance company in New Hartford? Review the directory below to compare your options.
3 agents listed
Updated May 2026
New Hartford, 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 3 mortgage refinance companies in New Hartford, 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
4654 Commercial Dr, New Hartford, NY 13413
3157688141
New Hartford Branch
41 Kellogg Rd, New Hartford, NY 13413
3157976552
Loandepot new Hartford NY
44 Oxford Rd, New Hartford, NY 13413
3158002396
Mortgage refinance companies in New Hartford New York help homeowners lower their interest rates or change loan terms. New York law requires lenders to provide a Good Faith Estimate and a Truth in Lending disclosure within three business days of application. 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 New Hartford 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 costing 600 to 1 200 dollars. Lender origination fees often range from 0.5 to 1.5 percent of the loan amount. New York also charges a mortgage recording tax which can add thousands of dollars. These costs vary by loan size property value 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 for a mortgage refinance in New Hartford New York?
You typically need pay stubs tax returns bank statements and a photo ID. New York lenders may also require proof of homeowners insurance and a property appraisal. Your lender will provide a complete list based on your loan type.
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 occur if the appraisal is slow or if title issues arise. New York law requires a three day rescission period after signing for most refinances.
Are there New York specific taxes on mortgage refinancing?
Yes New York imposes a mortgage recording tax on the new loan amount. The tax rate varies by county and can be up to 1.05 percent in some areas. This tax is typically paid at closing and is separate from lender fees.
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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.