I would speak to them now. Check the rates on line with banks that you have relationships with first. I would recommend a bank with a physical presence in NY. Be choosy and ask questions, make sure you understand all the fees and costs involved. Sometimes things look cheap but upon examination they aren't. If you are a memeber of a credit union that can be a good starting point. Good luck.
Tom Brady SFR, e-PRO, SRES, GREEN, BPOR
Licensed Real Estate Salesperson
Notary Public, Retired N.Y.P.D. Lt.
"We treat you like family!"
Charles Rutenberg Realty, Inc.
255 Executive Drive - Suite 104
Plainview, New York 11803