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Find Mortgage Refinance Companies in Smithtown, NY
Looking for a mortgage refinance company in Smithtown? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Smithtown, 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 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.
Contigo Mortgage
37 W Main St, Smithtown, NY 11787
6316099108
All Island Mortgage & Funding Corp.
496 NY-347 #308, Smithtown, NY 11787
6319793300
Luminate Bank - Smithtown Branch
11 Redwood Ln, Smithtown, NY 11787
6314066565
Best Rate Capital Inc.
975 W Jericho Turnpike #3, Smithtown, NY 11787
6313600003
Vista Capital Services Inc
1020 W Jericho Turnpike #209, Smithtown, NY 11787
6316442663
DMN Mortgage Corp.
155 E Main St, Smithtown, NY 11787
6314863770
UNMB Home Loans Inc. - Smithtown, NY
398 NY-111, Smithtown, NY 11787
6318519567
Long Island Mortgage | New York Reverse Mortgages
738 Smithtown Bypass #101, Smithtown, NY 11787
6318633300
Ownit, LLC
180 E Main St Suite 206, Smithtown, NY 11787
9176624628
Stephen Decker - Chase Home Lending Advisor - NMLS ID 626126
42 W Main St, Smithtown, NY 11787
5165287339
Mortgage refinance companies in Smithtown, New York help homeowners replace their existing home loan with a new one. This process can lower monthly payments or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application, giving you clear cost details upfront.
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.
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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.