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SONYMA Conventional Plus Fixed Rate Program
Unlike other SONYMA programs, this program allows both first-time and non-first-time buyers.
This program has reduced monthly MI expenses as compared to other SONYMA programs and to FHA programs.
Program has borrower income limits.
Minimum required credit scores are 620 for single family home purchases and 680 for 2-4 family home purchases.
A Down Payment Assistance Loan (DPAL) is available from NYS to assist borrowers with closing costs.
1st-Time Buyers - Did You Know?
Nothnagle Home Securities has been listed as one of SONYMA's top lenders from 2008-2013. On average in 2013, SONYMA loans at NHSC received approval in 26 days. Nothnagle Home Securities loans receive the fastest mortgage approvals of all lenders in our area. Other large area lenders averaged 59 and 66 days for approvals. In 2013, four of NHSC's loan officers were among the top producers of SONYMA loans.
For more information regarding SONYMA mortgages, please call 585-756-7351.
Mortgage Rates (9/29/2014)
Rates are subject to change without notice
FHA 30 Year
VA 30-Yr. Fixed
USDA Rural Development
SONYMA Low Interest Rate Prog 30 Yr.
Rates are based on FICO scores greater than 720, a 20% down payment and a 50 day lock.