Compare Mortgage Refinance Companies in Smithtown, NY
Browse mortgage refinance companies serving Smithtown, New York. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of New York before hiring.
Showing 10 mortgage refinance companies in Smithtown, 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.
What Does a Mortgage Refinance Company in Smithtown Cost?
Typical costs for a mortgage refinance in Smithtown include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costing $1,000 to $2,500. New York also charges a mortgage recording tax, which can add 0.75% to 0.80% of the loan amount. These costs vary by lender and loan type. 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 a mortgage in Smithtown?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal to confirm home value.
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.
Are there New York state taxes on mortgage refinancing?
Yes, New York imposes a mortgage recording tax on refinances. In Suffolk County, the tax is 0.75% of the loan amount for loans under $500,000 and 0.80% for larger amounts.