Young Family - Latin X

State of NY Mortgage Agency (SONYMA)

SONYMA offers low-interest mortgage loans and programs to help qualified buyers purchase their home
State of New York Mortgage Agency (SONYMA) for Homebuyers
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.


Please feel free to call 800-382-HOME or click here to connect with the SONYMA team, or contact a participating lender to learn more about your next steps.

Llame al 800-382-HOME o haga clic aquí para ponerse en contacto con el equipo de SONYMA, o póngase en contacto con un banco hipotecario participante para obtener más información sobre sus próximos pasos.

Getting Started Begin Your Journey with SONYMA

SONYMA wants to make your homebuying experience as hassle free as possible, with programs offering low interest loans.

Review SONYMA loans to find the one that best fits your needs.
SONYMA Programs

SONYMA has two primary mortgage programs, Achieving the Dream and Low Interest Rate. Both programs are outlined on this page and are designed to help you find the home you’ve always wanted at a payment you can afford. 

SONYMA offers optional down payment assistance with all mortgage programs and all programs can be combined with other grants and subsidies.

Have more questions?
Talk to SONYMA experts!
Join our bi-monthly calls to get your questions answered and learn about our programs. Or join us at one of our in-person events for valuable insights.
Information for borrowers with existing SONYMA mortgages
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)


Other Inquiries

SONYMA does not accept loan applications or service loans directly. However, for matters which cannot be addressed by a SONYMA Participating Lender or Loan Servicer, consumers, regulatory agencies, and other parties may call 800-382-HOME to escalate to SONYMA directly.




SONYMA Response to COVID-19

Lender and Servicer Information
SONYMA Express
For important SONYMA Participating Lender & Servicer information as well as our automated underwriting system, please access SONYMA Express.

Home Ownership Professionals