Helping first-time buyers feel at home

Congratulations on taking the first step toward homeownership!  


At the State of New York Mortgage Agency (SONYMA), we offer low-interest mortgage loans and programs to help qualified buyers purchase their first home. 


SONYMA provides access to affordable homeownership by removing many of the hurdles faced by first-time homebuyers. From increasing your understanding of the overall homebuying process, to helping secure funds for a down payment, SONYMA is with you every step of the way.


Getting Started


Preparation and Eligibility

Check your eligibility and learn what you’ll need to get started. 


Mortgage Programs

Review the features and benefits of SONYMA loans to find the one that fits your needs.


How to Apply

Learn how to apply for SONYMA mortgage loans and programs.




 Am I eligible for a SONYMA loan?

If you have not owned your primary residence in the last three years or more, you qualify as a first-time home buyer with SONYMA.  You are also eligible for a SONYMA mortgage if you are an honorably discharged veteran or purchasing a home in a Target Area. {LINK TO 3.3}