Financing Options
Understand your financing options before you start shopping.
Conventional Loans
Not government-backed. Strong credit gets the best terms; down payments can be as low as 3% for some first-time buyers.
Read guide → Low down paymentFHA Loans
Insured by the Federal Housing Administration. Low down payment and more flexible credit requirements.
Read guide → For veteransVA Loans
For eligible veterans, service members, and some surviving spouses. Often no down payment and no monthly mortgage insurance.
Read guide → Big in the North CountryUSDA Rural Development Loans
No down payment for eligible buyers in eligible rural areas — which covers much of the North Country.
Read guide → New York first-time buyersSONYMA Programs
The State of New York Mortgage Agency offers first-time buyer loans and down payment assistance.
Read guide → Common for landSeller Financing
The seller acts as the bank. Common for land, camps, and properties banks won't lend on.
Read guide → Acreage & lotsLand Loans
Buying land without a house? Expect a larger down payment and shorter terms than a home loan.
Read guide → No W-2? No problemLoans for Self-Employed Buyers
Business owners and contractors can qualify — it just takes different paperwork.
Read guide →We'll Connect You with a Local Lender
Tell us a little about your situation and we'll point you to lenders who handle it — including USDA, VA, land, and self-employed loans.