HUD Certified Mortgage Counseling Agencies:
Offers mortgage counseling and homebuyer education to the general public, free of charge. Topics covered may include reverse mortgages, pre purchase information and requirements, refinancing and foreclosure prevention strategies. Group seminars may be requested to be held at local Town Halls or public libraries.
Long Island Housing Partnership (LIHP)
180 Oser Avenue
Hauppauge, NY 11788
Offers Nassau and Suffolk County residents information on first time home buying, down payments, closing cost assistance, competitive first time homebuyer mortgage products, and tips on how to negotiate with a seller.
Community Development Corporation of Long Island (CDCLI)
2100 Middle Country Road
Centereach, NY 1170
Provides decent low cost housing for the homeless and very low income families. Support services are provided to tenants in budgeting, money management, mortgage delinquency/default, pre-purchase, Default Homebuyer Education Workshops, Second Chance Program, Housing Rehabilitation Program, rental assistance counseling, FAN Program, Senior Program, Quality of Life Program, utility assistance when available and anger management.
Bellport, Hagerman, East Patchogue Alliance (BHEP)
1492 Montauk Highway
Bellport, NY 11713
Suffolk County Down Payment Assistance Program:
Provides first-time homebuyers with federal funds for a portion of the down payment 75% down payment assistance is available towards the purchase of a principal residence, up to a maximum of $14,000 or $12,000, depending on income level. Serves the towns of Brookhaven, East Hampton, Huntington, Riverhead, Smithtown, Southampton, Southold, and Shelter Island. Call for more information: 631-853-5705.
Landlord/Tenant Dispute Education and Resolution:
Provides housing counseling for landlord/tenant-rights and responsibilities, rent payment increases and eviction situations and mortgage counseling to homeowners. Pre-purchase, pre-rental and mortgage default predatory lending counseling. An appointment may be required for some counseling.
Long Island Housing Services (LIHS)
640 Johnson Avenue – Suite 8
Bohemia, NY 11716
SONYMA Mortgage Programs
The State of New York Mortgage Agency (SONYMA) offers five mortgage programs to assist first-time homebuyers with the purchase of a home in New York State. The five mortgage programs feature competitive interest rates, low down payment requirements, flexible underwriting guidelines, no prepayment penalties and down payment assistance. Each of these features is designed to make your home purchase more affordable. All SONYMA loans are financed through the sale of tax exempt bonds.
- Graduate to Homeownership Program
SONYMA offers low-interest rate mortgages, down payment assistance, and homebuyer education resources for recent college graduates purchasing
their first home in certain upstate New York communities.
- Homes for Veterans Program
A program specifically designed for U.S. military veterans and active duty U.S. military personnel. Allows a qualified veteran or active duty
- U.S. military personnel to apply for any of the below listed SONYMA programs with more favorable terms.
The RemodelNY Program provides competitive interest rate financing to qualified first time homebuyers to purchase a home and pay for any necessary or desired repairs. It is an enhancement that can be utilized with the Achieving the Dream and Low Interest Rate Mortgage Programs.
- Achieving the Dream
Features lower interest rates than other SONYMA programs. Available to lower income first-time homebuyers. SONYMA offers a mortgage product that finances both the purchase and renovation of a home in need of improvements or repairs. Click here to learn about incentives for purchasers of newly constructed, energy efficient homes.
- Construction Incentive Program
First-time homebuyers (A first-time homebuyer is a person who: 1) has never owned a home, 2) has not owned a home for the last three years, or, 3) is a displaced homemaker) can use this program to buy a home under construction or rehabilitation. Click here to learn about incentives for purchasers of newly constructed, energy efficient homes.
Low Interest Rate Program
SONYMA's standard mortgage program for a first-time homebuyer* purchasing a newly constructed or existing home.
Call SONYMA Information Hub: 1-800-382-HOME (4663) for more information or visit the SONYMA website