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mortgages Buying a Home - New York Real Estate and Mortgages

Buying a Home - New York mortgages, down payment assistance and first time home buyer grants for buying New York real estate.

Research the available New York mortgages and home loan programs for buying New York real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying New York real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in New York.

New York City

BRONX

South Bronx Action Group, Inc.
384 E149th Street, Suite 220
Bronx, NY 10455-3908
(718) 993-5869
Fax (718) 993-7904

BROOKLYN

ACORN Housing Corporation
88 3rd Avenue, 3rd Floor
Brooklyn, NY 11217
(718) 246-8080
Fax (718) 246-7939

Brooklyn Neighborhood Improvement Association
1482 Saint Johns Place, Ste. 1F
Brooklyn, NY 11213-3929
(718) 773-4116
Fax (718) 221-1711 

Caroll Gardens Association, Inc.
201 Columbia Street
Brooklyn, NY 11231-1402
(718) 243-9301
Fax (718) 243-9304

Cypress Hills Local Development Corporation
3214 Fulton Street
Brooklyn, NY 11208-8100
(718) 647-8100
Fax (718) 647-2104

Neighborhood Housing Services
1 Hanson Place
Brooklyn, NY 11243
(718) 230-7610
Fax (718) 230-0032

Neighbors Helping Neighbors
443 39th Street, Suite 202
Brooklyn, NY 11232
(718) 686-7946
Fax (718) 686-7948

JAMAICA

Commission on Human Rights
89-31 161st Street, 2nd Floor #210
Jamaica, NY 11432
(718) 657-9333
Fax (718) 262-8834

Jamaica Housing Improvement, Inc.
161-10 Jamaica Avenue, Suite 601
Jamaica, NY 11432-6149
(718) 658-5050
Fax (718) 658-5065

NEW YORK (Manhattan)

Asian Americans For Equality
129 Rivington Street
New York, NY 10002-6103
(212) 477-2265
Fax (212) 477-2429

Harlem Community Development Corporation
163 West 125th Street, 17th Floor
New York, NY 10027
(212) 961-4100
Fax (212) 961-4143

National Urban League
120 Wall Street
New York, NY 10005
(212) 558-5453
Fax (212) 344-8948

New York Mortgage Coalition
305 Seventh Avenue, Suite 2001
New York, NY 10001
(646) 336-8609
Fax (212) 463-9606

New York Society of Mortgage Professionals
(516) 771-0256

Northern Manhattan Improvement Corporation
76 Wadsworth Avenue
New York, NY 10033-7000
(212) 568-9166
Fax (212) 740-9646

Open Housing Center, Inc.
45 John Street, Room 308
New York, NY 10038
(212) 231-7080; (212) 941-6101
Fax (212) 231-7087

STATEN ISLAND

Neighborhood Housing Services of Staten Island
(718) 442-8080

Northfield Community Local Development Corporation
160 Heberton Avenue
Staten Island, NY 10302
(718) 442-7351
Fax (718) 981-3441

Long Island

BELLPORT

Bellport, Hagerman, East Patchogue Alliance
1492 Montauk Highway
Bellport, NY 11713
(631) 286-9236
Fax (631) 286-9236

BOHEMIA

Long Island Housing Services
3900 Veterans Memorial
Highway, Suite 251
Bohemia, NY 11716
(631) 467-5111
Fax (631) 467-5131

CENTEREACH

Community Development Corporation of Long Island
2100 Middle Country Road, Suite 300
Centereach, NY 11720
(631) 471-1215
Fax (631) 471-2167

FAR ROCKAWAY

Margert Community Corporation
1931 Mott Avenue, Room 412
Far Rockaway, NY 11691-4103
(718) 471-3724
Fax (718) 471-5342

Rockaway Development and Revitalization Corporation
1920 Mott Avenue, Suite 2
Far Rockaway, NY 11691-4102
(718) 471-6040
Fax (718) 327-4990

GREENPORT

North Fork Housing Alliance, Inc.
110 South Street
Greenport, NY 11944-1619
(631) 477-1070
Fax (631) 477-1769

HAUPPAUGE

Long Island Housing Partnership Inc.
180 Oser Avenue
Hauppauge, NY 11788-3709
(631) 435-4710
Fax (631) 435-4751

HEMPSTEAD

Counseling for Home Equity Conversion
Family and Children's Association
336 Fulton Avenue
Hempstead, NY 11550
(516) 485-5600
Fax (516) 538-2548

HUNTINGTON STATION

Family Service League of Suffolk County, Inc.
1 Lowndes Avenue, Suite A
Huntington Station, NY 11743-4516
(631) 427-2938
Fax (631) 427-4268

Town of Huntington Housing Authority
1 Lowndes Avenue, Suite A
Huntington Station, NY 11746-1261
(631) 427-6228
Fax (631) 427-6288

PATCHOGUE

Economic Opportunity Council of Suffolk, Inc.
475 East Main Street, Suite 206
Patchogue, NY 11772
1- 800- 300-4362
Fax (631) 289-2178

ROOSEVELT

Roosevelt Assistance Corporation
455D Nassau Road
Roosevelt, NY 11575
(516) 223-7077
Fax (516) 223-0863

WYANDANCH

Wyandanch Community Development Corporation
30 William Street, VFW Building
Wyandanch, NY 11798-3326
(631) 643-4786
Fax (631) 643-9128

Hudson Valley (Rockland, Westchester, Orange, Putnam, Dutchess, Ulster, Sullivan)

CAMPBELL HALL

Orange County Rural Development Advisory Corporation
Route 207 Professional Building
Campbell Hall, NY 10916
(845) 291-7300
Fax (845) 291-7322

CATSKILL

Putnam County Housing Corporation
448 Main Street
Catskill, NY 12414
(518) 943-6700
Fax (518) 943-0113

CHESTNUT RIDGE

Rockland Housing Action Coalition
747 Chestnut Ridge Road, Suite 300
Chestnut Ridge, NY 10977-6224
(845) 352-3819
Fax (845) 352-2126

KINGSTON

Rural Ulster Preservation Company
289 Fair Street
Kingston, NY 12401
(845) 331-2140
Fax (845) 331-6217

MONTICELLO

Rural Sullivan County Housing Opportunities, Inc.
375 Broadway
Monticello, NY 12701-1128
(845) 794-0348
Fax (845) 794-3042

NEW ROCHELLE

New Rochelle CAP
95 Lincoln Avenue
New Rochelle, NY 10801-3912
(914) 636-3050
Fax (914) 633-0617

NEWBURGH

Coalition For People's Rights
13 Paddock Place
Newburgh, NY 12550
(914) 564-4259
Fax (914) 564-4259

PHOENECIA

Sharp Committee, Inc.
98 Main Street
Phoenicia, NY 12464
(845) 688-5777
Fax (845) 688-5007

POUGHKEEPSIE

Dutchess County Office of Aging
27 High Street
Poughkeepsie, NY 12601
(845) 486-2555
Fax (845) 486-2571

WHITE PLAINS

Westchester Residential Opportunities, Inc.
470 Mamaroneck Avenue, Suite 410
White Plains, NY 10605
(914) 428-4507
Fax (914) 428-9455

Upstate New York (All counties not noted in Hudson Valley section)

ALBANY AREA

Affordable Housing Partnership
175 Central Ave
Albany, NY 12207
(518) 434-1730

Albany Community Land Trust
340 First Street
Albany, NY 12206
(518) 426-1296

Albany Housing Coalition
278 Clinton Avenue
Albany, NY 12210
(518) 465-5251

Arbor Hill Development Corp.
241 Clinton Avenue
Albany, NY 12210
(518) 463-9993

Consumer Credit Counseling
2 Computer Drive
Albany, NY 12205
(518) 482-2227

Capitol Hill Improvement Corp.
148 Dove Street
Albany, NY 12210
(518) 462-9696

Habitat for Humanity (Capital District)
696 Delaware Avenue
Albany, NY 12209
(518) 462-2993

NYS Rural Housing Coalition
350 Northern Blvd - Suite 206
Albany, NY 12204
(518) 426-1258

South End Improvement Corp.
34 Catherine Street
Albany, NY 12202
(518) 436-8777

Cornell Cooperative Extension
Consumer Budget Counseling Program
Albany County: (518) 765-3500
Schenectady County: (518) 372-1622

AUBURN

Cayuga County Homesite Development Corp.
60 Clark St.
Auburn, NY 13021
(315) 253-8451

BINGHAMTON

Metro-Interfaith Services, Inc.
21 New St.
Binghamton, NY 13903
(607) 723-0723

BUFFALO

Buffalo Urban League, Inc.
15 East Genesee Street
Buffalo, NY 14203
(716) 854-7625

The Homeownership Center
361 Delaware Avenue, Suite 308
Buffalo, NY 14202
(716) 856-2592

Neighborhood Housing Services Homeownership Center
361 Delaware Avenue, Suite 308
Buffalo, NY 14202
(716) 856-2952

CANANDAIGUA

Bishop Sheen Ecumenical Housing Foundation
2520 Country Rd.
Canandaigua, NY 14424
(716) 461-4263

CANASTOTA

Stoneleigh Housing, Inc.
1 Madison Blvd., Suite 9
Canastota, NY 13032
(315) 697-3700

CANTON

St. Lawrence County Housing Council
19 Main St.
Canton, NY 13617
(315) 386-8576

CORTLAND

Cortland Housing Assistance Council, Inc.
159 Main St.
Cortland, NY 13045
(607) 753-8271

GOUVERNEUR

Marble City Housing Corp.
68 W. Main St.
Gouverneur, NY 13642
(315) 287-0143

ITHACA

Ithaca Neighborhood Housing Services,Inc
115 W. Clinton St.
Ithaca, NY 14850
(607) 277-4500

NORWICH

Opportunities for Chenago, Inc.
44 W. Main St.
Norwich, NY 13815
(607) 334-7114

PARISH

Oswego Housing Development Council, Inc.
2822 St. Tr. 29
Parish, NY 13131
(315) 625-4520

SCHENECTADY

Better Neighborhoods, Inc.
986 Albany Street
Schenectady, NY 12307
(518) 372-6469

Hill and Vale Affordable Housing
975 Albany Street
Schenectady, NY 12307
(518) 372-7616

Schenectady HOPE III Program
Schenectady Municipal Housing Authority
Schenectady, NY 12305
(518) 372-3346

Cornell Cooperative Extension
Consumer Budget Counseling Program
Albany County: (518) 765-3500
Schenectady County: (518) 372-1622

SYRACUSE

Northeast Hawley Development Association, Inc.
101 Gertrude St.
Syracuse, NY 13203
(315) 425-1032

Home Headquarters, Inc.
120 E. Jefferson St.
Syracuse, NY 13202
(315) 474-1939

Consumer Credit Counseling Service for Central NY
500 S. Salina St. Suite 600
Syracuse, NY 13202
(315) 474-1939

TROY

Troy Rehabilitation and Improvement Program
415 River Street
Troy, NY 12180
(518) 272-8289

UTICA

Utica Neighborhood Housing Services
1611 Genesee St.
Utica, NY 13501
(315) 724-4197

VOORHEESVILLE

Albany County Rural Housing Alliance
34 South Main Street
Voorheesville, NY 12186
(518) 765-2425

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in New York.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in New York or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in New York.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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New York Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  New York real estate of homes for sale.

Complete the form below for direct access to the following types of New York real estate listings:

  • New York Real Estate Listings and MLS
  • New York HUD Homes
  • New York For Sale By Owner Homes
  • New York New Homes for Sale
  • New York Foreclosure Homes for Sale
Access New York Real Estate Listings

You will get free unlimited access to search New York real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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