New York State Housing Finance Agency/State of New York Mortgage Agency | 624 followers on LinkedIn. The Housing Finance Agency (HFA) and the Affordable Housing Corporation (AHC) offer financing to for-profit and not-for-profit developers to encourage the construction and preservation of affordable housing in communities across New York State. The State of New York Mortgage Agency (SONYMA) provides safe, low interest fixed-rate mortgages, down payment assistance and other programs specifically designed to help low- and moderate-income families become homeowners.