The State of New York Mortgage Agency (SONYMA) offers home buyers down payment assistance in combination with SONYMA financing. The Down Payment Assistance Loan (OPAL) allows borrowers to secure assistance through a second mortgage that can be used with any currently available SONYMA program. Counseling is required for first-time homebuyers.

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Owning vs. Renting

The advantages of homeownership Deciding whether to rent or own is an important and personal decision. Having the information you need to make the right choice for you is critical. Speaking with a real estate professional can help you decide what is best for you. It may also help to first consider some key facts: 

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