Female Veteran Walking into new home


Programs and exemptions addressing Veterans housing, homelessness and housing instability
U.S. Department of Veterans Affairs
Home Loan Guaranty

The U.S. Department of Veterans Affairs (VA) helps service members, Veterans, and eligible surviving spouses become homeowners. As part of VA’s mission, it provides a home loan guaranty benefit and other housing-related programs to help buy, build, repair, retain, or adapt a home for personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies, and VA guarantees a portion of the loan, enabling the lender to provide more favorable terms.

Some specific programs offered include purchase loans, interest rate reduction refinance loan, Native American Direct Loan Program, and adapted housing grants.

Veterans Emergency Housing Program

Assists New York State’s Veterans who are confronting emergency housing needs and lacking the funds to cover these immediate costs up to $2,000 apiece.
Two hands reaching across one in uniform and one with house keys

Homes for Veterans Program

This program, through the State of New York Mortgage Agency (SONYMA), offers fixed-rate mortgages with interest rates 0.375% below the already low-interest rates charged on SONYMA mortgages with down payment assistance.
Female Veteran Walking into new home
Veterans Homelessness
If you are a Veteran who is homeless or at imminent risk of homelessness, we strongly encourage you to contact the National Call Center for Homeless Veterans at (877) 4AID-VET (877-424-3838) for assistance.

Below are programs available for Veterans who are or may be currently experiencing homelessness.