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Homeownership

The State of New York Mortgage Agency (SONYMA) provides safe, low interest fixed-rate mortgages, closing cost assistance and other programs specifically designed to help low- and moderate-income families become homeowners.  If you want to get a SONYMA mortgage, click here.

Affordable Housing Developers

The Housing Finance Agency (HFA) and the Affordable Housing Corporation (AHC) offer financing to for-profit and not-for-profit developers to encourage the construction and preservation of affordable housing in communities across New York State. SONYMA also offers mortgage insurance to lenders of multifamily housing.

Lenders

Information for SONYMA participating lenders includes recent announcements, forms, manual and other tools to help you be successful.

News 

For more information
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Quick Links
  • “nyhomes” is now on Twitter! To keep up with all the news about our agencies, go to: http://twitter.com/nyshousing. If you are already a Twitter subscriber, use this link to follow “nyhomes” updates. If you are not yet a Twitter user, you can use the link to sign up.


  • HFA has released its proposed New York State Neighborhood Stabilization Program 2 plan. Click here to review and learn how to comment on the plan during the public comment period that extends through close of business on Thursday, July 9, 2009.


  • “nyhomes” has just published its 2008 Annual Report. Click here to read about our accomplishments last year.



  • "nyhomes" has published the Spring 2009 issue of the "nyhomes at work" newsletter, which provides up-to-date information about our recent activities at our Agencies. Click here to read the Spring 2009 edition.


  • Are you behind on your mortgage or facing foreclosure? Click here for a list of counseling agencies that offer assistance. Click here for information about the Federal government’s new program to help homeowners at risk. Thinking of buying a new home? Click here for important information to help you make a decision. And click here for help in applying for a SONYMA mortgage.


  • Units available in HFA-financed developments are listed on the “nyhomes” renters page. To see a list of these developments, click here.
Today's Interest Rate
5.25%*
*For a 30-year mortgage with 3% down. Closing cost assistance not included. For complete rates, click here.