Join us for just 60 minutes to hear directly from a State of New York Mortgage Agency (SONYMA)

representative regarding their mortgage programs. SONYMA programs provide excellent benefits for

First-Time Homebuyers including:

• Lower Overall Cost and Payments Compared to other Traditional First-Time Homebuyer Programs

• Down Payment Assistance

• Flexible Credit Options, under their Give Us Credit Program

• Rehabilitation Assistance to Purchase & Renovate Vacant Homes

• The Ability to Finance Additional Repairs into the Mortgage

• SONYMA Programs are designed to work well with available Grants and Assistance that may be available in

your community



- Additionally, hear from an experienced mortgage representative regarding Grants for Downpayment Assistance and Closing Costs - where to look , how do they work and how to qualify?

o Including Summary of the Homebuyer Dream Program (HDP®) and Homebuyer Dream Program Plus (HDP® Plus)

Note: HDP® and HDP® Plus are offered by Emigrant Bank through limited funds made available by the Federal Home Loan Bank of New York.

- We will cover the different mortgage stages including the process of obtaining a pre-approval, what to expect during the mortgage application and ultimately the final stages as the loan is getting ready to close; and lastly what to anticipate at the closing.

Speakers
Dilfia Munoz
AVP Business Development Officer
State of NY Mortgage Agency (SONYMA)

Veronica Ferrero
Vice President & Community Lending Officer
Emigrant Mortgage

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