New York

Document your mortgage loans with these downloadable, affordable template Mortgage Forms for New York State.

The State of New York Banking Department regulates the activities of mortgage brokers. Licensing is handled by the National Mortgage Licensing System.

Down payment requirements are now much higher than they used to be. While FHA loans still only require minimum down payments of 3.5%, non-FHA lenders are asking as much as 20% down, in order to give the best interest rate. Lenders are also looking for higher credit scores.

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New York Contract for Deed

If you are selling a real estate property in New York, you can assist the buyer by carrying part or all of the purchase price with this Contract for Deed (or purchase money mortgage).
  • Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
  • Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
  • The seller has the right to .....

New York Fixed Rate Mortgage Note

Prepare a Fixed Rate Promissory Note for a mortgage loan with this downloadable template for New York State.

  • This Note provides for monthly payments of principal and interest.
  • If there is any amount still outstanding on the maturity date, the borrower agrees to pay the full balance owing.
  • If the borrower defaults in any payments, the note holder has the option to demand repayment of the entire outstanding balance of principal and interest.
  • The borr.....

New York Mortgage (Plain Language)

Place a mortgage on a residential property in New York with this plain-language standard form.

  • The mortgage form contains both uniform covenants pursuant to federal laws, and additional provisions for foreclosure and sale, and the borrower's promise to comply with Section 13 of the New York Lien Law.
  • The document is written in accordance with the New York Plain English Law.
  • This is a downloadable legal template which can be used for single family or multi-un.....

New York Subordination of Mortgage Agreement

New York lenders, prepare a Subordination of Mortgage Agreement with this template form.

Under the Subordination Agreement, the holder of a first mortgage on a property (the original lender) agrees to allow its mortgage to be subordinated to a new mortgage being placed on the property, which will become the new first mortgage.

This New York Subordination of Mortgage form is in MS Word format and is fully editable.