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Find Mortgage Refinance Companies Near You in New Paltz, NY
Browse mortgage refinance companies serving New Paltz, New York. Contact information and addresses listed below.
3 agents listed
Updated May 2026
New Paltz, 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 Paltz, 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.
Heritage Financial Credit Union
234 Main St Suite B, New Paltz, NY 12561
8455615607
Focused Financing
171 Main St, New Paltz, NY 12561
6318970051
Chase Mortgage
2 Plattekill Ave, New Paltz, NY 12561
8452550500
Mortgage refinance companies in New Paltz New York help homeowners lower their interest rate or change loan terms. New York law requires lenders to provide a good faith estimate of closing costs within three business days of application. Local companies understand the unique housing market in Ulster County and can guide you through state-specific regulations.
What Does a Mortgage Refinance Company in New Paltz Cost?
Typical costs for a mortgage refinance in New York range from 2 to 5 percent of the loan amount. This includes lender fees, appraisal fees, title insurance, and the New York mortgage recording tax. For a 200,000 dollar loan, costs might be 4,000 to 10,000 dollars. Some lenders offer no closing cost options but may charge a higher interest rate. 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 Paltz?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a signed application. Your lender will provide a complete list based on your situation.
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 gives you a three day right of rescission after signing for most refinances.
Are there New York specific fees for refinancing?
Yes, New York charges a mortgage recording tax on refinances, which can be 0.5 to 1.0 percent of the loan amount. You may also pay title search fees, attorney fees, and appraisal costs. These fees vary by county and lender.
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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.