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Mortgage Refinance Companies in North Tonawanda, NY
Compare mortgage refinance companies in North Tonawanda. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
North Tonawanda, 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 2 mortgage refinance companies in North Tonawanda, 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.
Niagara Regional Federal Credit Union
1285 Erie Ave, North Tonawanda, NY 14120
7166947344
Cross State Funding Corporation
416 Oliver St, North Tonawanda, NY 14120
7169846968
Mortgage refinance companies in North Tonawanda New York help homeowners lower their interest rate or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Niagara County property market and can guide you through state-specific closing procedures.
What Does a Mortgage Refinance Company in North Tonawanda Cost?
Typical costs for a mortgage refinance in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs in North Tonawanda often total 2% to 5% of the loan principal. 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 North Tonawanda?
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 form.
How long does a mortgage refinance take in New York?
The process usually takes 30 to 45 days from application to closing. New York state law mandates a three-day right of rescission after signing for most refinances.
Are there prepayment penalties for refinancing in New York?
New York law generally prohibits prepayment penalties on mortgages of less than $500,000. For larger loans, penalties may apply but are limited to the first two years of the loan term.
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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.