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Compare Mortgage Refinance Companies in Oswego, NY
Directory of mortgage refinance companies in Oswego, New York. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Oswego, 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 6 mortgage refinance companies in Oswego, 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.
Oswego County Federal Credit Union
90 E Bridge St, Oswego, NY 13126
3153437822
OneMain Financial
437 NY 104 #21, Oswego, NY 13126
3153426338
Compass Federal Credit Union
131 George St, Oswego, NY 13126
3153425300
Oswego Teachers Employee
90 W Utica St, Oswego, NY 13126
3153424574
KeyBank
138 NY 104, Oswego, NY 13126
3153422248
Chase Mortgage
204 W 1st St, Oswego, NY 13126
3153439650
A mortgage refinance company in Oswego New York helps homeowners lower their rate or change loan terms. New York law requires lenders to provide a Good Faith Estimate and a Loan Estimate within three business days of application. Local Oswego borrowers can work with companies that understand the regional housing market and state specific closing procedures.
What Does a Mortgage Refinance Company in Oswego Cost?
Typical costs for a mortgage refinance in New York include an appraisal fee of 400 to 700 dollars, an origination fee of 0.5% to 1% of the loan amount, and title insurance costs of 500 to 1,000 dollars. New York also charges a mortgage recording tax of 0.75% for loans up to 500,000 dollars. Total closing costs often range from 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 Oswego 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 signed disclosure of the New York State Mortgage Recording Tax.
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 property appraisal is slow or if title issues arise. New York law requires a three day right of rescission for most refinances.
Are there New York specific taxes on a refinance?
Yes. New York imposes a mortgage recording tax on the new loan amount. In Oswego County the rate is 0.75% of the principal. Some refinances may qualify for a tax exemption if the original loan is being replaced with the same 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.