Congratulations on taking the first step toward homeownership
Helping first-time buyers feel at home
State of New York Mortgage Agency (SONYMA) offers 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.
SONYMA Programs and Rates First Time Homebuyers
Getting Started Begin Your Journey with SONYMA
Ready to get started?
Find a SONYMA Participating Lender
Find lenders in your area that are familiar with SONYMA Products and Programs.
Home Buying Counseling
The Benefits of Home Buying Counseling
Home Ownership Counseling
Home Ownership Counseling
To help you navigate the homebuying process and prepare for successful homeownership, SONYMA has partnered with nonprofit housing counseling agencies across the state that offer on-line homebuyer education classes, workshops, and one-on-one counseling. You can benefit from learning about topics like money management, credit monitoring, homeownership preparation, and foreclosure prevention. Find a counselor or call 1-800-382-4663 (HOME)
Lender and Servicer Information
SONYMA Express
For important SONYMA Participating Lender & Servicer information as well as our automated underwriting system, please access SONYMA Express.