Disclaimer

Informational Purpose Only

NY First Home Guide is an informational website. All content — including articles, guides, comparisons, calculators, and checklists — is provided for general educational purposes only. Nothing on this site constitutes:

• Legal advice
• Financial advice
• Tax advice
• Mortgage advice or a mortgage commitment
• A mortgage quote, rate lock, or pre-approval
• Real estate advice
• An offer to sell or purchase any financial product

Not Affiliated with Government or Lenders

This site is an independent, privately operated website. It is not affiliated with, endorsed by, or sponsored by:

• SONYMA (State of New York Mortgage Agency)
• HCR (New York State Homes and Community Renewal)
• New York State or any state agency
• The federal government or any federal agency including HUD or FHA
• Any bank, mortgage lender, credit union, or financial institution
• Any real estate brokerage or individual real estate agent
• Any housing counseling agency

Program Information May Be Outdated or Inaccurate

Mortgage programs, including SONYMA programs, change frequently. Income limits, purchase price limits, interest rates, down payment assistance amounts, eligibility requirements, and program availability are all subject to change without notice. The information on this site:

• May not reflect the most current program guidelines
• May contain errors or omissions
• Does not account for your specific financial situation, credit history, or eligibility
• Is not tailored to any individual transaction

Always verify program details, income limits, purchase price limits, and eligibility requirements directly with:

• SONYMA and HCR at hcr.ny.gov
• A SONYMA-participating lender
• A HUD-approved housing counselor
• Your local county or municipality community development office

Calculator Estimates Are Not Quotes

The cash-needed calculator on this site produces rough estimates based solely on the numbers you input. It does not account for:

• Your actual credit score or loan terms
• Specific lender fees
• New York mortgage recording tax
• Title insurance premiums
• Attorney fees
• Prepaid interest, insurance escrow, or tax escrow
• Home inspection, appraisal, or other due diligence costs
• Any program-specific requirements or fees

Calculator outputs are starting points for conversation with a lender — not binding estimates. Request a Loan Estimate from your lender for accurate closing cost figures.

Do Not Submit Sensitive Information

Forms on this site are used only to provide homebuyer updates, resources, and to respond to inquiries. For your protection, do not submit Social Security numbers, bank account numbers, birth dates, or other sensitive financial information through any form on this site.

No Professional Relationship

Use of this website does not create any professional relationship — including an attorney-client, financial advisor-client, or lender-borrower relationship — between you and the operators of this site.

Consult Licensed Professionals

Before making any financial decision related to purchasing a home, you should consult with:

• A licensed mortgage lender or mortgage broker for loan product advice and accurate quotes
• A licensed New York real estate attorney for legal advice about contracts, title, and the closing process
• A licensed real estate agent for market guidance and transaction support
• A HUD-approved housing counselor for free or low-cost guidance on homebuyer programs
• A CPA or tax professional for advice about the tax implications of homeownership

Limitation of Liability

The operators of this site make no warranties, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any content herein. To the fullest extent permitted by law, the operators of NY First Home Guide shall not be liable for any loss, damage, or harm arising from your use of or reliance on information provided on this site.

Changes

This disclaimer may be updated at any time without notice. Your continued use of the site constitutes acceptance of the current disclaimer.