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Spotlight Program
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 2008-2014. On average in 2014, SONYMA mortgages at NHSC received approval in 27 days (# days from mortgage application to clear-to-close). Other area lenders ranged from 33 to 59 days for approvals. NHSC loans receive the fastest approvals of all lenders in our area.

In 2014, three of NHSC's loan officers were among the top producers of SONYMA mortgages.

For more information regarding SONYMA mortgages and other 1st-time buyer options, please call 585-756-7351

Mortgage Rates (5/4/2015)
Rates are subject to change without notice
Program Rate APR Pts.
30-Year Fixed 3.875% 4.040% 0.00
15-Year Fixed 3.125% 3.410% 0.00
FHA 30 Year 3.500% 4.440% 0.00
SONYMA Low Interest Rate Prog 30 Yr. (No DPAL) 3.500% 3.590% 0.00
USDA Rural Development 3.500% 4.440% 0.00
VA 30-Yr. Fixed 3.500% 4.440% 0.00
Rates are based on FICO scores greater than 720, a 20% down payment and a 50 day lock.

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217 W Main St, Suite 200 - Rochester, NY 14614
Licensed Mortgage Banker - NMLSR#: 30332
NYS Dept of Financial Services