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State of New York Mortgage Agency (SONYMA) The State of New York Mortgage Agency (SONYMA) manages several first-time homebuyer programs. It works with lenders throughout the Empire State to offer mortgages for low-to-moderate income New Yorkers. Most options carry 30-year, fixed-rate terms. Down payments dip as low as 3%.
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A real estate licensee may employ an unlicensed person to perform administrative, bookkeeping, clerical, and maintenance tasks related to real estate for which a real estate license is not required under AS 08.88 and this chapter, including:
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