Who you'll work with
Ibex isn't licensed in New York, so we don't make loans here. When you request a quote for a New York property, we refer you to an independent mortgage lender licensed in New York. That lender sets your rate and terms and handles your loan. We may receive a referral fee, which doesn't change what you pay.
| Ibex licensed here | No. You'll work with a licensed partner lender. |
|---|---|
| Loan types | Conventional, FHA, VA, USDA, jumbo, 203(k), DSCR |
| Free housing counseling | HUD: 800-569-4287 |
Buying a home in New York
Get pre-qualified before you shop so you know your price range and can make a strong offer. First-time buyers in New York can often combine an FHA or conventional loan with state or local down payment assistance. Veterans should look at VA loans, and buyers outside major metro areas may qualify for USDA zero-down financing.
Refinancing in New York
A refinance can lower your payment, remove mortgage insurance or turn equity into cash. Compare closing costs with your monthly savings to see how long it takes to break even.
Investing in New York rentals
DSCR loans let investors qualify on a property's rent instead of personal income.
New York questions
What home loans are available in New York?
Conventional, FHA, VA, USDA (in eligible areas), jumbo, renovation and investor DSCR loans are all used in New York. Which one fits depends on your credit, down payment and the property.
Is there down payment assistance in New York?
New York's housing finance agency and many local governments offer down payment and closing cost help for qualifying buyers. Programs open and close often, so ask when you apply.
What if I'm behind on my mortgage in New York?
Contact your servicer right away and ask about a loan modification or forbearance. Free HUD-approved housing counselors serve New York at 800-569-4287. See our guide for homeowners behind on payments.