New York City, a sprawling metropolis, is the heart of cultural, financial, and social life in the United States. Known as the Big Apple, NYC is a melting pot of cultures, offering an array of experiences across its five boroughs: Manhattan, Brooklyn, Queens, The Bronx, and Staten Island. Each borough brings its own unique flavor to the city, from the historic streets of Manhattan to the diverse communities in Queens, the vibrant arts scene in Brooklyn, the rich cultural heritage of The Bronx, and the serene parks of Staten Island. New York City is a place where history, innovation, and diversity converge, offering endless opportunities for exploration and engagement.
Dreaming of calling New York City your home? Our Jumbo Verified™ lender network is prepared to offer you competitive rates and mortgage plans tailored to the unique dynamics of NYC’s real estate market. Whether you’re searching for a high-rise apartment with stunning skyline views, a historic brownstone, or a quiet home in one of the city’s many vibrant neighborhoods, let us guide you through your homeownership journey in the heart of the Big Apple.
Tailored Mortgage Solutions for New York City’s Diverse Real Estate
New York City’s real estate market is as diverse as its population, offering everything from luxury penthouses in Manhattan to cozy apartments in Queens and everything in between. Our lenders specialize in providing mortgage strategies that cater to the specific needs of potential homeowners in NYC, facilitating a smooth path to securing your ideal home in the city.
- A variety of mortgage types for New York City properties: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
- Financing solutions that accommodate the wide range of property types found across NYC, supporting diverse housing preferences.
- Customized mortgage plans that reflect the unique lifestyle choices New York City offers, from bustling city life to quieter, family-friendly neighborhoods.
- Expertise in NYC’s housing market, with specialized financing options like Land, Construction, and Bridge loans.
- Competitive rates to support your home purchase or refinancing in New York City, making urban homeownership more accessible.
Experience New York City’s Iconic Lifestyle
Living in New York City offers an exceptional lifestyle, marked by its cultural richness, architectural beauty, and endless opportunities for exploration and enjoyment. We’re committed to helping you find a mortgage solution that supports your life in this iconic city. Whether indulging in the arts, savoring world-class cuisine, or enjoying the green spaces and waterfronts, your home in New York City will be a haven in the urban landscape.
2024 NEW YORK STATE CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALBANY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALLEGANY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRONX COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| BROOME COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CATTARAUGUS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAYUGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHAUTAUQUA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHEMUNG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHENANGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLINTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUMBIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CORTLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DELAWARE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DUTCHESS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ERIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ESSEX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FULTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GENESEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREENE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAMILTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HERKIMER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JEFFERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KINGS COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| LEWIS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LIVINGSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONROE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTGOMERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NASSAU COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| NEW YORK COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| NIAGARA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONEIDA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONONDAGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONTARIO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORANGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORLEANS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OSWEGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OTSEGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PUTNAM COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| QUEENS COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| RENSSELAER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RICHMOND COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ROCKLAND COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ST. LAWRENCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SARATOGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHENECTADY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHOHARIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHUYLER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SENECA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STEUBEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUFFOLK COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SULLIVAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TIOGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TOMPKINS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ULSTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAYNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WESTCHESTER COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| WYOMING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YATES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES AROUND NEW YORK
Neighborhoods
Upper East Side, Cobble Hill, Forest Hills, Dumbo, Tribeca, Carnegie Hill, Flatiron District, Union Square North, Lenox Hill, Greenwich Village & Soho, Lower West Village, Bridgehampton, Financial District, NoHo, Nomad, Hudson Square, Chelsea, Battery Park City, Theatre District / Times Square, Central Midtown & Carroli Gardens.
Zip Codes
11962, 10012, 10013, 10065, 11976, 11975, 11932, 10011, 10014, 10006, 10075, 11201, 10128, 10036 & 10280
Counties
New York County, Westchester County, Nassau County, Putnam County, Suffolk County, Rockland County, Saratoga County, Columbia County, Dutchess County, Albany County, Richmond County, Hamilton County, Ulster County, Ontario County & Orange County.