SONYMA, Grants & First-Time Homebuyer Educational Webinar - One Hour virtual presentation that First- Time Homebuyers can't afford to miss! Join us to hear directly from a State of New York Mortgage Agency (SONYMA) Representative regarding their mortgage programs. SONYMA programs provide excellent benefits for First-Time Homebuyers including: - Achieving the Dream and Low Interest Rate Programs - Home for Veterans - SONYMA offers Down Payment Assistance with all mortgage programs and all programs can be combined with other grants and subsidies - Non-Traditional Credit may be utilized - The ability to finance repairs into the Mortgage - 1-4 Family Homes, Condos and Cooperatives property types acceptable Additionally, hear from experienced community lending mortgage representatives regarding preparedness for the home buying process as well as information regarding grants for down payment assistance and closing costs - where to look, how do they work and how to qualify? The Homebuyer Dream Program® (HDP®) Suite of grant programs will be presented as well. Note: HDP® programs are offered by Emigrant Bank through limited funds made available by the Federal Home Loan Bank of New York. Lastly, a seasoned realtor will let first time homebuyers know what to expect when shopping for their home and best practices for success in this difficult market. Speakers: Dilfia Munoz AVP/Business Development Officer State of New York Mortgage Agency (SONYMA) Veronica Ferrero Vice President & Community Lending Officer Emigrant Mortgage Juliann Giuffre Mortgage Consultant & Community Lending Coordinator Emigrant Mortgage Dwain Carroll, CBR Licensed Real Estate Salesperson Certified Buyer Representative Rutenburg Realty Inc.