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If you’re ready to become a homeowner in New York, KeyBank state bond program has financing solutions to help you. Low down payments, low interest rates and high finance limits mean you’ll be walking through your own front door soon.


Purchaser Qualification

Income based for properties in New York

Loan to Value (LTV)

Up to 97% for 1-2 units; Up to 90% for 3-4 units

Interest Rate


Down Payment

As low as 3%


  • Finance up to 97% of the home’s value--up to $453,100; and up to 90% of the value of three and four unit properties
  • 120-day interest rate lock periods available for existing housing and completed new construction
  • Low interest rates and low down payments make home buying accessible



First-time homebuyer is defined by SONYMA as not owning your primary residence during the past three years. First-time homebuyer requirement is waived for eligible military veterans and may be waived for applicants who purchase a home in a Federally Designated Target Area.

Available for homes located in New York only. All SONYMA mortgage programs require borrowers to meet certain household income and purchase price/appraised value limits. For more information, visit

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. NMLS#399797


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