From first-time purchases to custom builds, New York borrowers have a wide menu of home loans to consider. Government-backed loans serve veterans, rural buyers and those rebuilding credit, while conventional and jumbo loans cover a broad range of prices. Construction and renovation loans handle building and repair projects. Many buyers qualify for more than one path. Select your city below to start sorting through the options and see which loan types may fit your plans.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New York's state housing finance agency is State of New York Mortgage Agency (SONYMA), part of New York State Homes and Community Renewal (HCR). Its homebuyer programs include Achieving the Dream Program, Low Interest Rate Program, Conventional Plus Program. These programs work through participating lenders and have their own eligibility rules. See our New York first-time buyer programs guide.
Where home loans activity is highest in New York
| County | loans originated (2024 HMDA) |
|---|---|
| Suffolk County | 11,422 |
| Nassau County | 8,237 |
| Queens County | 7,609 |
| Erie County | 7,445 |
| Westchester County | 6,049 |
| Monroe County | 6,046 |
| Kings County | 5,915 |
| New York County | 4,632 |
| Onondaga County | 3,680 |
| Orange County | 2,969 |
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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Home Loans by city in New York
- Airmont
- Albany
- Albertson
- Albion
- Amityville
- Amsterdam
- Auburn
- Baldwin
- Baldwin Harbor
- Baldwinsville
- Ballston Spa
- Batavia
- Bay Shore
- Bayport
- Bayville
- Baywood
- Beacon
- Bellmore
- Bethpage
- Binghamton
- Binghamton University
- Blauvelt
- Bohemia
- Brentwood
- Briarcliff Manor
- Brockport
- Bronx
- Bronxville
- Brooklyn
- Buffalo
- Calverton
- Carle Place
- Carmel Hamlet
- Cedarhurst
- Center Moriches
- Centereach
- Centerport
- Central Islip
- Chester
- Chestnut Ridge
- Clifton Springs
- Cohoes
- Commack
- Congers
- Copiague
- Coram
- Corning
- Cortland
- Croton-on-Hudson
- Deer Park
- Depew
- Dix Hills
- Dobbs Ferry
- Dunkirk
- East Aurora
- East Farmingdale
- East Glenville
- East Hills
- East Islip
- East Massapequa
- East Meadow
- East Moriches
- East Northport
- East Patchogue
- East Quogue
- East Rochester
- East Rockaway
- East Shoreham
- Eggertsville
- Ellenville
- Elmira
- Elmont
- Elmsford
- Elwood
- Endicott
- Endwell
- Fairmount
- Fairport
- Fairview
- Farmingdale
- Farmingville
- Flanders
- Floral Park
- Fort Drum
- Fort Plain
- Fort Salonga
- Franklin Square
- Fredonia
- Freeport
- Fulton
- Garden City
- Garden City Park
- Geneva
- Glen Cove
- Glen Head
- Glens Falls
- Glens Falls North
- Gloversville
- Gowanda
- Great Neck
- Great Neck Plaza
- Greenlawn
- Greenville
- Hampton Bays
- Harris Hill
- Harrison
- Hastings-on-Hudson
- Hauppauge
- Hewlett
- Hicksville
- Highland
- Hillcrest
- Hilton
- Holbrook
- Holtsville
- Honeoye Falls
- Hornell
- Hudson
- Hudson Falls
- Huntington Station
- Ilion
- Inwood
- Irvington
- Islip Terrace
- Ithaca
- Jamestown
- Jefferson Valley-Yorktown
- Jericho
- Johnson City
- Johnstown
- Kaser
- Kenmore
- Kings Park
- Kings Point
- Kingston
- Kiryas Joel
- Lackawanna
- Lake Carmel
- Lake Grove
- Lake Mohegan
- Lake Ronkonkoma
- Lakeview
- Larchmont
- Lawrence
- Levittown
- Lindenhurst
- Lockport
- Long Beach
- Lynbrook
- Mahopac
- Malverne
- Manhasset
- Manhattan
- Manorhaven
- Manorville
- Massapequa
- Massapequa Park
- Mastic
- Mastic Beach
- Mattydale
- Mechanicstown
- Mechanicville
- Medford
- Medina
- Melville
- Merrick
- Middle Island
- Middletown
- Miller Place
- Mineola
- Monsey
- Monticello
- Mount Ivy
- Mount Kisco
- Mount Sinai
- Mount Vernon
- Myers Corner
- Nanuet
- Nesconset
- New Cassel
- New City
- New Hempstead
- New Hyde Park
- New Rochelle
- New Square
- New York
- Newark
- Niagara Falls
- North Amityville
- North Babylon
- North Bay Shore
- North Bellmore
- North Bellport
- North Gates
- North Hills
- North Lindenhurst
- North Massapequa
- North Merrick
- North New Hyde Park
- North Patchogue
- North Syracuse
- North Tonawanda
- North Valley Stream
- North Wantagh
- Northport
- Norwich
- Nyack
- Oakdale
- Oceanside
- Ogdensburg
- Old Bethpage
- Olean
- Oneida
- Oneonta
- Orange Lake
- Oswego
- Patchogue
- Pearl River
- Peekskill
- Pelham Manor
- Penn Yan
- Plainedge
- Plainview
- Plattsburgh
- Pleasantville
- Port Chester
- Port Jefferson
- Port Jefferson Station
- Port Jervis
- Port Washington
- Poughkeepsie
- Queens
- Ravena
- Rensselaer
- Ridge
- Rochester
- Rockville Centre
- Rocky Point
- Rome
- Ronkonkoma
- Roosevelt
- Roslyn Heights
- Rye Brook
- Salamanca
- Salisbury
- Saranac Lake
- Saratoga Springs
- Sayville
- Scarsdale
- Schenectady
- Scotchtown
- Scotia
- Sea Cliff
- Seaford
- Selden
- Shirley
- Sleepy Hollow
- Solvay
- Sound Beach
- South Farmingdale
- South Hill
- South Huntington
- South Lockport
- South Valley Stream
- Spring Valley
- Springs
- St. James
- Staten Island
- Stony Brook
- Stony Brook University
- Suffern
- Syosset
- Syracuse
- Tappan
- Tarrytown
- Terryville
- Tonawanda
- Troy
- Tuckahoe
- Uniondale
- University at Buffalo
- Utica
- Valatie
- Valley Cottage
- Valley Stream
- Viola
- Wading River
- Walden
- Wantagh
- Wappingers Falls
- Washingtonville
- Watertown
- Watervliet
- Wesley Hills
- West Babylon
- West Glens Falls
- West Haverstraw
- West Hempstead
- West Hills
- West Islip
- West Point
- West Sayville
- Westbury
- Westmere
- Westvale
- White Plains
- Williamsville
- Williston Park
- Woodbury
- Woodbury
- Woodmere
- Wyandanch
- Yaphank
- Yonkers
Common questions
Can I finance home repairs as part of my mortgage?
Yes. Renovation loans such as the FHA 203(k) and certain conventional renovation programs let you roll repair or remodel costs into your purchase or refinance. You will typically need contractor bids and a plan for the work. Another route is buying with a standard loan and later using a home equity loan or line of credit.
What kind of loan do I need to build a house?
Construction loans fund a new build in stages as work is completed. A construction-to-permanent loan covers both the building phase and the long-term mortgage with one closing, while a construction-only loan must be replaced with a separate mortgage when the home is finished. Lenders usually review your builder, plans and budget before approval.
Can I qualify for more than one type of home loan?
Yes, many borrowers may be eligible for several options. A veteran with strong credit buying in a rural area, for example, might look at VA, USDA and conventional loans. Comparing Loan Estimates for each one helps you see differences in upfront costs, mortgage insurance or guaranty fees, and property requirements before you choose.
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in New York
Home Loans overview · New York mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025