New York DSCR Investment Loans
New York is outside this network entirely. Billy Robles (NMLS #2751970) is not licensed to originate mortgage loans in New York, no inquiry is accepted from New York on this site, and no mortgage business is solicited or conducted in New York. This page is educational only. To find a licensed originator, use NMLS Consumer Access; for free guidance, use a HUD-approved housing counselor.
Not available in New York — verify any originator at NMLS Consumer AccessNew York: where to go before you borrow
Every link below goes to a government agency or a nonprofit — not to a lender, and not to us. Start here, then talk to a licensed originator.
State housing finance agency
New York State Homes and Community Renewal
The state housing finance agency for New York — down payment assistance, first-time buyer loans and income limits, straight from the source.
HUD in New York
Federal housing programs, local HUD field offices and New York-specific homeownership pages.
HUD-approved housing counselors in New York
Free or low-cost counseling from HUD-approved agencies. Search results are filtered to New York.
New York consumer protection office
File a complaint or check a company through your state's consumer protection office.
Find free legal aid
Legal Services Corporation's directory of civil legal aid programs, searchable by state.
Your free credit reports
The only federally authorized source for free reports from all three bureaus. Never costs money.
CFPB: credit reports and scores
How scores are built, how to dispute an error, and what actually moves a score.
Nonprofit credit counseling (NFCC)
Member agencies offer budget and debt counseling, often free for the first session.
CFPB: owning a home
Loan options, closing costs and a checklist you can take into any lender conversation.