SONYMA programs help first-time home buyers in New York achieve their goal. These are some of the best SONYMA lenders, as determined by NerdWallet.

The State of New York Mortgage Agency helps first-time home buyers in the Empire State move up to homeownership. Working with local lenders, SONYMA offers reduced interest rates, lower down payments and forgivable loans to assist with closing costs.

While there are many lenders that participate in SONYMA programs, these are among the highest rated, as determined by NerdWallet.