Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.

New York Mortgage Loans ( NY Mortgage ) 

New York mortgage loans are very similar to other states mortgage loans throughout the U.S. However, many states, such as New York, have some of their own various laws, rules, regulations and guidelines that mortgage brokers and mortgage companies need to abide by to originate mortgage loans in New York. Below are some of the more common New York Mortgage loan programs and some of the more common information about New York Mortgage Loans.

There are many mortgage loan programs available in the state of New York. Some of the more common loan programs available for refinance or purchase are:

- 100% Financing
- 80/20 No MI
- 115% Cash Out Refinance
- First Time Home Buyer Programs
- Fannie Mae & Freddie Mac Loan Programs
- 40 Year Mortgage
- Non Conforming (Impaired Credit)
- Stated Income (No Income Verification)
- Bankruptcy Buyout
- Multi Unit Programs

Many other loan programs are available. If you have any questions about a loan program feel free to contact a mortgage consultant at 888-418-4467 or via email

In Central New York, there are many First Time Homebuyer grant programs. These programs can help to provide down payment and closing cost assistance. Contact your mortgage professional at 888-418-4467 for further details.

The "State of New York Mortgage Agency" (SONYMA) also offers 4 different programs to help purchase homes in NY. Each program consists of low down payment requirements, below-market interest rates, no prepayment penalties, and offers closing cost assistance. SONYMA mortgages are financed by tax exempt bonds.

The 4 SONYMA programs are:

Achieving the Dream
For lower income first-time homebuyers. This program the lowest interest rate of all SONYMA programs.

Remodel New York
First-time homebuyers can purchase a home and finance the renovation with a below market fixed-rate mortgage.

Construction Incentive Program
First-time homebuyers can purchase a newly constructed home. 100% financing with a stepped interest rate that is lower for the first 4 year's payments.

Low Interest Rate Program
SONYMA's program for a first time homebuyers purchasing an existing or newly constructed home.

One of the most popular options on loans in the state of New York today is the minimum payment option or 1% mortgage, which can be fixed, adjustable, or a hybrid of the two, and is available statewide.

There are many programs for first-time buyers available. Some of these programs include Fannie Mae's MyCommunity loan programs, FHA loans, and VA loans. Consult with your mortgage professional at 888-418-4467 to determine what programs work best for your situation.

There are plenty of affordable mortgage option loans for buyers and refinancers of New York Real Estate.


If you have any questions regarding our products, you can contact us by calling or e-mailing us and we'll get back to you as soon as possible. Thanks!



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Information listed above is to be used for educational purposes only and is not guaranteed

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