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Kendall, NY

The Best Mortgage Lenders in Kendall, NY

Compare verified mortgage lenders serving Kendall, New York. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
628+
Reviews
11
Loan Types

Available Loan Programs in Kendall

Conventional
FHA
VA
USDA
Jumbo
Fixed-rate
Adjustable-rate
Refinance
First-time homebuyer
Construction
Portfolio

Featured Mortgage Lenders

1

ESL Federal Credit Union

ESL Federal Credit Union

★★★★☆
4.8/5

ESL Federal Credit Union is one of the most highly-rated mortgage lenders serving the Greater Rochester area, including Kendall. With over a century of service to the community, ESL has built an exceptional reputation for competitive rates, personalized service, and deep local market knowledge. Their mortgage specialists provide comprehensive guidance through the entire home financing process, offering a wide range of loan products with particularly strong customer satisfaction ratings. As a member-owned credit union, they prioritize member needs over profits, resulting in consistently excellent service and competitive terms.

Experience:105 years
Reviews:285 customer reviews
225 Chestnut Street, Rochester, NY 14604

Loan Types:

ConventionalFHAVAUSDAJumboFixed-rateAdjustable-rateRefinance
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2

Nothnagle Home Loans

Nothnagle Home Loans Corporation

★★★★☆
4.7/5

Nothnagle Home Loans has been serving the Western New York region for seven decades, including the Kendall area. As part of the Nothnagle Realtors family, they offer seamless integration between real estate and mortgage services. They are particularly renowned for their first-time homebuyer programs and exceptional customer service. Their local underwriting team ensures quick turnaround times, and their deep understanding of the local market conditions in Monroe County and surrounding areas gives them a distinct advantage in providing tailored mortgage solutions.

Experience:70 years
Reviews:187 customer reviews
300 Pearl Street, Rochester, NY 14607

Loan Types:

ConventionalFHAVAUSDAFirst-time homebuyerJumboConstructionRefinance
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3

Premium Mortgage Corp

Premium Mortgage Corporation

★★★★☆
4.6/5

Premium Mortgage Corporation has established itself as a leading regional mortgage lender serving Western New York, including Kendall. With three decades of experience, they offer competitive rates and a comprehensive suite of loan products, including their own portfolio lending options that provide flexibility for unique financial situations. Their team of experienced loan officers provides personalized service and local decision-making, ensuring efficient processing and closing. They are particularly known for their expertise in navigating complex financing scenarios and their commitment to customer education throughout the mortgage process.

Experience:30 years
Reviews:156 customer reviews
300 Meridian Centre Blvd, Rochester, NY 14618

Loan Types:

ConventionalFHAVAUSDAJumboPortfolioConstructionRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Kendall, NY

What are the typical down payment requirements for homes in Kendall, NY, given its rural setting?

For the moderately priced homes common in Kendall, a conventional loan typically requires a 5-20% down payment. However, the USDA Rural Development loan is a popular $0-down option here, as most of the town and surrounding Orleans County qualifies for this program, making homeownership more accessible in this agricultural community.

Are there any first-time homebuyer programs specific to Orleans County or the Kendall area?

Yes, the "Restoring Our Communities (ROC)" program, administered by the Orleans County Economic Development Agency, offers down payment assistance to eligible first-time buyers. Additionally, New York State's "SONYMA" programs provide competitive rates and down payment assistance, which are accessible to Kendall residents purchasing within the state.

How do property taxes in Kendall impact my mortgage qualification and monthly payment?

Property taxes in Kendall and Orleans County are a significant factor, often ranging from $2,500 to $4,000+ annually for a typical home. Lenders will include this estimated monthly tax escrow in your debt-to-income ratio, so it's crucial to get an accurate tax estimate early in your search to understand your true monthly payment.

What should I know about getting a mortgage for a home with acreage or agricultural land in Kendall?

Financing properties with significant acreage (often 5+ acres) in Kendall may require a specialized "rural" or "non-conforming" loan product. Lenders may require a more detailed appraisal to assess the value of the land separately from the dwelling, and not all standard mortgage programs cover large parcels, so working with a lender experienced in rural properties is key.

How competitive is the mortgage rate environment for buyers in Kendall compared to the national average?

Mortgage rates in Kendall generally align with national averages, as they are set by broader financial markets. However, your final rate is personalized based on credit, down payment, and loan type. Local credit unions, like the Lake Ridge Bank, often have competitive offerings and may have special programs for local residents, which can provide an edge.

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Why Choose a Mortgage Lender in Kendall?

Local Market Knowledge

Lenders who understand Kendall's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in New York.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Kendall and get competitive rates on your home loan.