Elmira Savings Bank | SONYMA Mortgage


Which SONYMA Mortgage is right for you? The State of New York Mortgage Agency (SONYMA) and Elmira Savings Bank offers two mortgage programs to assist you with the purchase of a home in New York State. Each program features a below-market interest rate, low down payment requirements, no prepayment penalties, and offers closing cost assistance. Each of these features are designed to make your home purchase more affordable. All SONYMA loans are financed through the sale of tax exempt bonds.

  • Low Interest Rate Program:
    • SONYMA's standard mortgage program for a first-time homebuyer purchasing a newly constructed or existing home.
  • Achieving the Dream:
    •   Features the lowest interest rate of all SONYMA programs. Available to lower income first-time homebuyers.

Start your secure online Mortgage Application now!


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Elmira Savings Bank is an approved Seller/Servicer of Freddie Mac, FHA/Department of Housing & Urban Development, VA, USDA, and SONYMA (NY Only). Elmira Savings Bank is an Equal Housing Lender committed to ensuring every applicant for credit receive fair and equal treatment throughout the credit application and approval process, as embodied in the Equal Credit Opportunity Act and the Fair Housing Act. All mortgage lending products are subject to credit and property approval. Rates and program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

External links and content are being provided for informational purposes only. Elmira Savings Bank has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.

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