Home Refinancing Watertown NY

Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process.

Compass Mortgage Inc
(315) 788-7100
111 Clinton St
Watertown, NY
 
Carthage Federal Sav And Ln Assoc
(315) 493-3480
313 State Street
Carthage, NY
 
Community Bank NA - Black River Office
(315) 773-5686
28499 State Route 3
BLACK RIVER, NY
Services
Mortgage Brokers

M And T Bank
(315) 782-9791
113 Court Street
Watertown, NY
 
HSBC Bank
1.800.975.HSBC (4722)
Dulles State Office Bldg 120 Washington Street
Watertown, NY
Services
Branch Services: Wheelchair Accessible Lobby, Deposit Drop Box, Night Deposit Drop Box, Notary Available, Foreign Currency Exchange
ATM Services: ATMs: 1, Wheelchair Accessible ATM
Office Hours
MONDAY: 09:00 am - 04:00 pm
TUESDAY: 09:00 am - 04:00 pm
WEDNESDAY: 09:00 am - 04:00 pm
THURSDAY: 09:00 am - 05:00 pm
FRIDAY: 09:00 am - 05:00 pm
SATURDAY: -
SUNDAY: -
Drive Up Hours
MONDAY: 08:30 am - 05:00 pm
TUESDAY: 08:30 am - 05:00 pm
WEDNESDAY: 08:30 am - 05:00 pm
THURSDAY: 08:30 am - 05:00 pm
FRIDAY: 08:30 am - 05:00 pm
SATURDAY: -
SUNDAY: -

Upstate Capital Inc
(315) 786-2813
742 W Main St
Watertown, NY
 
Community Bank Na Black River Office
(315) 773-5686
28499 State Route 3
Black River, NY
 
Community Bank Na Watertown Offices
(315) 788-4503
216 Washington Street Suite 1
Watertown, NY
 
Upstate Capital
(315) 786-2813
742 West Main
WATERTOWN, NY
Services
Mortgage Brokers

Compass Mortgage Inc
(315) 788-7100
Watertown, NY
 
Opinion Corner
People in New York shared their opinions about Home Mortgage
Do you own or rent a home?
Own: 64%
Rent: 28%
Other: 6%
The recent credit crisis seems to have affected everyone. How has it affected you?
I have lost my home: 4%
I have had to downgrade my home: 6%
I am living paycheck to paycheck: 27%
I have eliminated some of my expenses in order to keep my home: 27%
It has not affected me: 28%
Other: 5%
What is the value of your house in relation to your outstanding mortgage?
I am in the red: 11%
I have some equity in my home: 53%
I own my home outright: 15%
I have no idea: 17%
Other: 1%
Have you been able to take advantage of the lower interest rates and refinance your mortgage?
Yes: 44%
I have tried but have not been successful: 22%
No: 32%
Have your savings/retirement funds been affected?
No, haven’t touched my savings/retirement: 51%
Yes, they were slightly affected: 30%
Yes, they were significantly affected/drained: 18%
Source: Survey.com