Young Family in New House

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
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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.

Free Contractor Breakfast Event
Learn how you can grow your business with SONYMA.
Ready to get started?
Find a SONYMA Participating Lender
Find lenders in your area that are familiar with SONYMA Products and Programs.

SONYMA on the Radio

A Conversation About SONYMA's Great Features

Suffolk County Association of Municipal Employees sat down with SONYMA's Delfia Munoz and Michelle Schimel to discuss features of the SONYMA program:

Down Payment Assistance, Home Renovation Loans, Veteran's Programs & Additional Resources

Resources
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)

Visit HomeSmartNY.org

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