HCR's State of New York Mortgage Agency (SONYMA) uses innovative tools to expand access to affordable homeownership

Explore low interest mortgage options.
State of New York Mortgage Agency (SONYMA)
Low-Cost Home Mortgages

SONYMA loans are designed to make your home purchase more affordable with competitive, fixed interest rates, and low down payment requirements

Innovative Add-Ons

From down payment assistance, to money for repairs and remodeling, to special programs for Veterans, SONYMA mortgage optional add-on features help make your dream home a reality

Resources to Help You Succeed

SONYMA partners with nonprofit housing counseling agencies across New York State to help you navigate the home buying process and prepare for successful homeownership through one-on-one counseling, homebuyer education classes, workshops, and more

Explore Low- and Moderate-income Home Ownership Options
Affordable Housing Corporation (AHC)
What We Do

AHC provides grants to governmental, not-for-profit and charitable organizations to help subsidize the cost of newly constructed houses and the renovation of existing housing

How It Works

AHC provides grants to governmental, not-for-profit and charitable groups (Grantees) to build, acquire/rehabilitate or improve homes for low and moderate income families

Access Grantee List

Individual homebuyers or homeowners can apply to local AHC grantees for homebuying or home repair assistance

Mobile & Manufactured Homes Resources
HCR provides resources for vulnerable manufactured and mobile home households & communities, such as:
- Assistance for buying a mobile or manufactured home
- Resources for rehabilitation and repair
- Cooperative home park purchase loan programs
Explore Middle-Income Coop Options
Mitchell Lama Program
The Mitchell-Lama Program provides housing across New York State that is affordable to the middle class