For Realtors · New York
Win more New York offers with a Verified Readiness Passport
Turn every New York buyer into a verified, shareable proof-of-readiness. Listing agents verify in 3 seconds — no PDF pre-approval, no "let me check with the lender."
Verified passports
A tamper-proof URL every New York listing agent can verify in seconds. Beats a static PDF pre-approval every time.
SONYMA DPA matched
Your buyers get matched to State of New York Mortgage Agency DPA programs automatically. Show up to a listing meeting knowing the buyer's real budget.
LO handoff protected
Buyers who need an LO get routed to your preferred partner (or ours). Your referral relationship is preserved end-to-end.
What ReadinessIQ knows about New York's market
State of New York Mortgage Agency
Programs matched into every buyer's dashboard:
Achieving the Dream
Reduced-rate 30-year fixed with DPA option up to $15,000.
Down Payment Assistance Loan (DPAL)
$3,000 min, up to 3% of purchase (max $15,000) — forgiven after 10 years.
RemodelNY / Homes for Veterans
Purchase-plus-rehab and veteran-specific reduced-rate programs.
SONYMA caps income $135K–$220K depending on county and household size.
Market context
Highest single-unit FHA cap in New York: $1,209,750
New York / Kings / Bronx / Queens
FHA at $1,209,750; SONYMA DPA critical for NYC DTI.
Nassau / Suffolk
FHA at $1,209,750.
Westchester / Rockland
FHA at $1,209,750.
Erie (Buffalo)
FHA at $524,225; strongest DPA fit upstate.
Metros with highest buyer density:
New York City · Buffalo · Rochester · Yonkers · Syracuse · Albany
Realtor FAQ · New York
- How does a Readiness Passport help my New York buyer win multiple-offer situations?
- A Readiness Passport is a public, tamper-proof URL a listing agent can verify in 3 seconds. It shows your buyer is verified ready to close up to a specific dollar amount, backed by an underwriter's-level check on credit, income, and funds. In New York's tight markets it functions as a stronger version of a pre-approval letter — no PDF, no editing, no doubt.
- Do I need my buyer to already have a loan officer to use ReadinessIQ?
- No. Buyers can complete the scorecard on their own. If they don't have an LO, RED hands them off to a New York-licensed partner LO — your commission and referral relationship are protected in the workflow.
- What New York down payment assistance is my buyer eligible for?
- ReadinessIQ checks every buyer against State of New York Mortgage Agency programs including Achieving the Dream, Down Payment Assistance Loan (DPAL), RemodelNY / Homes for Veterans. Instead of you tracking AMI caps, you get a match list on the buyer's dashboard the minute they finish the scorecard.
- Where in New York does ReadinessIQ have the most active buyers?
- Highest buyer density right now: New York City, Buffalo, Rochester, Yonkers, Syracuse, Albany. If you list or show in any of those metros, you'll see the most match volume there — but the platform covers every New York zip.
- How much does ReadinessIQ cost realtors in New York?
- Realtor plans start free — up to 5 active buyers with a co-branded Readiness Passport. Producer plan is $49/mo for unlimited buyers, custom domain passport links, and CRM handoff. Team & brokerage plans priced per seat.