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Find Mortgage Refinance Companies in Patchogue, NY
Browse mortgage refinance companies serving Patchogue, New York. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Patchogue, 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 8 mortgage refinance companies in Patchogue, 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.
Contour Mortgage - Patchogue
99 N Ocean Ave, Patchogue, NY 11772
8006679160
Anthony Gagliardi - Mortgage Lender NMLS #2559222
99 N Ocean Ave, Patchogue, NY 11772
9345002633
loanDepot
180 E Main St #205B, Patchogue, NY 11772
6316526400
Home America Lending Corp.
20 Oak St suite 206, Patchogue, NY 11772
8003007780
Chase Home Lending
115 E Main St, Patchogue, NY 11772
6316542700
Chase Home Lending
499 Sunrise Hwy Ste 84, Patchogue, NY 11772
7204225611
Jeffrey Cacace - Contour Mortgage
99 N Ocean Ave, Patchogue, NY 11772
5169651784
Nichol Bodden - Mortgage Loan Officer
251 E Main St, Patchogue, NY 11772
6317674588
A mortgage refinance company in Patchogue, New York helps homeowners replace their existing home loan with a new one. New York law requires lenders to provide a Loan Estimate within three business days of application. Local companies can guide you through the process and explain state-specific rules, such as the right to rescind within three days for certain refinances.
What Does a Mortgage Refinance Company in Patchogue 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 of $800 to $1,500. Closing costs often total 2% to 5% of the loan principal. New York also charges a mortgage recording tax, which varies by county. For Patchogue in Suffolk County, the tax is approximately 1.05% of the loan amount for loans up to $500,000. This is general information, 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 is a mortgage refinance company in Patchogue?
A mortgage refinance company in Patchogue helps homeowners get a new loan to replace their current mortgage. They handle applications, appraisals, and closing. They must follow New York banking regulations.
How long does a mortgage refinance take in New York?
A typical mortgage refinance in New York takes 30 to 45 days from application to closing. Delays can occur if appraisal or title work is slow. New York law requires a three-day review period after the Loan Estimate is issued.
What documents do I need for a refinance in Patchogue?
You will need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a government-issued ID and a property appraisal. Self-employed borrowers may need additional income documents.
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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.