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Showing 2 mortgage refinance companies in Rome, NY
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First Source Federal Credit Union
1822 Black River Blvd, Rome, NY 13440
3157358571
Rome Federal Credit Union
937 Seneca St, Rome, NY 13440
3153391658
What Does a Mortgage Refinance Company in Rome Cost?
Typical costs for refinancing in Rome, New York include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. New York also charges a mortgage recording tax of 1.0 to 1.25 percent of the loan amount. Total closing costs often range from 2,000 to 5,000 dollars, but this varies by loan size and lender. 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 documents do I need to refinance in Rome 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 copy of your current mortgage note.
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 or title search takes longer than expected.
Are there New York specific fees for refinancing?
Yes, New York charges a mortgage recording tax on refinances, which can be 1.0 to 1.25 percent of the loan amount. Some counties also impose additional transfer taxes. Ask your lender for a full fee breakdown.