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    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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