Investing in affordability, believing in you!

Investing in affordability, believing in you!

HomeOwnership Lending provides loans for affordable housing ownership in co-op buildings. We are a mission-driven, CDFI-certified and licensed lender serving New York City and beyond with a true not-for-profit purpose.

We offer loans to purchasers of income restricted cooperatives and those that are subsidized by federal, state and city agencies. Unlike most lenders, we know how your affordable loans need to be structured to meet your needs and the needs of limited-equity co-ops. Our loans are structured for the individual, and to be as affordable as possible to the demographic served.


Our Mission

HomeOwnership Lending provides loans tailored to the needs of low to moderate income New Yorkers and limited equity cooperatives and preserves affordable homeownership opportunities for future generations.

Partnering with our customers every step of the way, we support our borrowers throughout the application process. Our team has decades of experience working with affordable housing and cooperatives in particular. We use this expertise to keep the dream of affordable homeownership alive for people who aspire to live in a housing cooperative.


The Lending You Home program provides low-cost loans for purchasers in limited-equity housing co-ops, such as Mitchell-Lamas and HDFCs. Because of our decades of experience in affordable housing, we believe in you as a valuable part of your community. The Lending You Home program was designed with a specific understanding of our borrowers. 

Our loans are appropriately sized to meet your affordability needs:

• Personalized service
• Fixed interest rate
• 15 year term
• Low closing costs
• No hidden fees
• Fast approval
• Purchase & refinance loans
• Average loan size: $25k
• Se habla Español

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Our Partners

UHAB | The Urban Homesteading Assistance Board

Founded in 1973, UHAB empowers low- to moderate-income residents to take control of their housing and enhance communities by creating strong tenant associations and lasting affordable co-ops.

NCB | National Cooperative Bank

NCB’s mission is to support and be an advocate for America’s cooperatives and their members, especially in low-income communities, by providing innovative financial and related services.

LISC | Local Initiatives Support Corporation

With residents and partners, LISC forges resilient and inclusive communities of opportunity across America – great places to live, work, visit, do business and raise families.


How to Apply

Learn more about the application process, or get in touch with us for more information.

For a free consultation, contact us at 212-479-3368 or
*Se Habla Español