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.

Homes for Veterans Program offers fixed-rate mortgages with interest rates below the already low interest rates charged on SONYMA mortgages with closing cost assistance. 

  • You must be either a U.S. military veteran or active duty serviceperson and provide these documents with your application:
    • DD214 – Certificate of Release or Discharge from Active Duty or NGB Form 22 – Report of Separation and Record of Service
    • Leave and Earning Statement (required for all active duty U.S. military personnel)
    • Military ID Card (required for ALL active duty U.S. military personnel)
  • Military Veteran's Eligibility Affidavit (SONYMA Form 243) is required only if an eligible veteran or their spouse or co-borrower is not a first-time homebuyer
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Last Reviewed: August 16, 2023