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Compare mortgage refinance companies in Wantagh. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Wantagh, 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 3 mortgage refinance companies in Wantagh, 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.
A mortgage refinance company in Wantagh, 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. Working with a local company can simplify the process and ensure compliance with state regulations.
What Does a Mortgage Refinance Company in Wantagh Cost?
Typical costs for a mortgage refinance in Wantagh, New York include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance costing 500 to 1,500 dollars. New York also charges a mortgage recording tax of up to 1.05% of the loan amount depending on the county. 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 is the minimum credit score to refinance a mortgage in Wantagh?
Most lenders require a credit score of at least 620 for conventional refinancing. FHA loans may accept scores as low as 580. New York does not set a state minimum credit score for refinancing.
How long does a mortgage refinance take in New York?
A typical refinance in New York takes 30 to 45 days from application to closing. Delays can occur due to appraisal scheduling or title search issues. Lenders must provide a closing disclosure at least three business days before closing.
Are there New York state taxes on mortgage refinancing?
New York imposes a mortgage recording tax on refinanced loans. The tax rate varies by county; in Nassau County it is 0.80% of the loan amount. Some refinances may qualify for a tax exemption if the original lender is the same.
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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.