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.
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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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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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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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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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:
- 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.)
- Estimate Annual Property Tax and
Homeowners Insurance and
enter these values.
- Each time you change a value hit
"Calculate Now" to see what the effect is.
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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
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