Home financing in Kings County.
County-by-county financing guides. No paperwork. No social. No ID.
13 institutions are headquartered inside the Kings County line, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Kings County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 16
- DOORS HERE
- 13
- BASED HERE
- 56
- NY COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 2.7Mresidents of Kings County
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- State
- New York →56 of 62 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Brooklyn Cooperative Credit Union · BlocPower L.L.C.Owned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Advantage Financial Credit Union · Brooklyn Cooperative Credit Union- Brooklyn Cooperative Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Consumers Credit UnionPersonal · Home · Business capital
- Polish & Slavic Credit UnionPersonal · Home · Business capital
- Transfiguration Parish Credit UnionMinority depositoryPersonal · Home · Business capital
- BlocPower L.L.C.Community lending · Business capital
- IN THIS LIST
5 of the 16 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Brooklyn Alliance Capital, Inc.Community lending · Business capital
- Berea Credit UnionMinority depositoryPersonal
Show the other 5Show fewer
- Bykota Credit UnionMinority depositoryPersonal
- Concord Credit UnionCDFI-certifiedMinority depositoryPersonal · Business capital
- Nym Credit UnionPersonal
- Spc Brooklyn Credit UnionMinority depositoryPersonal
- Sts Peter & Paul Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Kings County line. You can walk in.
- Advantage Financial Credit UnionPersonal · Home
- Municipal Credit UnionMinority depositoryPersonal · Home
- Ukrainian National Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Nobody paid to be on this list.
The 16 doors inside the county line come off public data, and 13 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Buying in Kings County — Brooklyn — is its own kind of process. Most of what is for sale is a co-op, a condo, or a two-to-four family house, and each is financed differently. Prices are high, most residents rent, and the borrowers who succeed here are usually the ones who understood the structure before they started looking. This guide covers the loan types, how rental income and self-employment get treated, the documents, the institutions headquartered in the county, New York's closing rules, and the deed and equity traps Brooklyn homeowners face.
It's a process, not a rejection.
In Brooklyn, the property type decides the loan more than anything else:
- 01**One-to-four family house**
A standard mortgage. The two-to-four family is the classic Brooklyn wealth-builder: you live in one unit and the rent from the others can help you qualify.
- 02**Condominium**
You own the unit itself; financing works much like a house, with the building's finances reviewed alongside yours.
- 03**Co-op**
You are buying **shares in a corporation**, not real estate. The loan is a **share loan**, and the co-op board must approve you separately from the lender. Two approvals, two packages, two timelines.
- 04**Income-restricted co-ops**
Some buildings limit who may buy based on household income. These are among the most attainable ownership options in the county; ask a housing counselor.
- 05**Refinance and home equity borrowing**
Including for repairs on aging buildings
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Forget what the banks say.
Lenders weigh provable income, existing debt, credit, and cash for the down payment and closing. In Brooklyn the closing costs are substantial, so the cash question is as important as the income one. How that maps to how people here earn:
- 01**Wage earners with multiple jobs**
Common and workable. Bring all W-2s; a second job usually needs a two-year history to count.
- 02**1099 and self-employed**
Drivers, contractors, home care aides, shop owners. They use your tax returns, so the deductions that cut your tax bill also cut the income counted. Speak to a lender before your next return is filed.
- 03**Cash income**
Only counts if deposited; twelve months of deposits is the starting point.
- 04**Rental income from a two-to-four family**
Often part of what makes the purchase work. Ask exactly how much of the projected rent a lender will count, because that number changes the price you can afford.
- 05**Rent payment history**
Years of on-time Brooklyn rent is evidence. Ask about programs that count it.
- 06**Multi-generational households**
Pooling is normal. Whose name goes on the loan and whose on the deed are separate decisions.
- 07**ITIN borrowers**
ITIN mortgage programs exist, generally at lenders who keep loans on their own books. Ask each institution directly, by phone, before gathering documents.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
A Brooklyn purchase usually means two files: the lender's and, for a co-op, the board's.
For the lender:
- Government-issued photo ID, and ITIN or Social Security Number
- Two years of tax returns, all schedules and pages
- W-2s and 1099s for both years
- Recent pay stubs, or a year-to-date profit-and-loss statement if self-employed
- Two to three months of statements for every account
- Proof of the down payment's source, and a signed gift letter for gifted funds
- Rent payment history if you can document it
- Homeowner's or co-op insurance quote
- For a two-to-four family: existing leases and rent records
For a co-op board package, expect considerably more: personal reference letters, employer verification, a detailed financial statement, and sometimes an in-person interview. Board packages are thorough, and incomplete ones get returned.
One rule: once your file is in underwriting, do not move money between accounts, finance a car, or change jobs without telling your loan officer. Unexplained deposits require a paper trail, and late surprises kill closings.
The doors worth knowing.
For home financing in Brooklyn, local underwriting matters — a lender who understands co-ops and small multifamily buildings in this borough is worth more than a slightly lower advertised rate. Credit unions based in Brooklyn carrying a community development designation: Brooklyn Cooperative and Concord.
ALL 16 DOORS, BY NAME AND BY TOWN- 16
- DOORS HERE
- 101
- ACROSS NY
Based in Brooklyn, New York. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified, and it is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Washington, District Of Columbia. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Brooklyn, New York. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Brooklyn, New York. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
The most serious housing crime in Brooklyn, and it targets exactly the people this guide is written for: longtime owners, older owners, owners behind on payments, and heirs of a family home. The pattern is a stranger offering help with a mortgage problem, then paperwork that transfers your deed. New York has laws against it, but recovery is slow and expensive. **Never sign anything transferring title without your own attorney reading it first.**
Letters, calls, and knocks offering to buy your house fast. Some are legitimate lowball offers; some are the opening of the pattern above. Never sign at the door.
Anyone charging an upfront fee to negotiate with your servicer, or asking you to sign the deed over "temporarily," is taking your house. Free HUD-approved counseling does the same work at no cost, and New York provides a court settlement conference process in foreclosure.
A New York notary public is not a lawyer and cannot give legal advice. And no legitimate offer expires today.
Everything below is set by New York, and it reads the same in every county in it. The 16 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
New York is an attorney-state: you will have your own real estate lawyer, and so will the seller. That is a protection, not a formality. Hire your own — never use the seller's or one the seller recommends.
The board can decline you without giving a reason, may require a larger down payment than the lender does, and may limit subletting. Have the building's financials and house rules reviewed by your attorney before you commit.
The city and the state both charge taxes at transfer, and on higher-priced purchases an additional tax applies to the buyer. Ask for a written estimate of all closing costs early — this is where Brooklyn buyers get surprised.
State and city first-time buyer programs are delivered through approved lenders, not directly. A HUD-approved counselor can tell you which you fit.
Lead paint, boilers, façade requirements, and violations on file affect financing and cost — have the violation history pulled before you sign.
Deeds record with the city register for this county. Never wire money on instructions from an email — call your attorney or title company at a number you looked up yourself.
The short version.
- 01
Buying in Brooklyn is possible, and it is structural rather than mysterious. Learn the difference between a co-op, a condo, and a two-to-four family before you look at listings, because that choice determines your loan, your approval process, and your timeline.
- 02
Start with a free HUD-approved housing counselor. In this county that single appointment is worth more than weeks of research — they know the co-op landscape, the income-restricted buildings, and which city and state first-time buyer programs you actually fit. Then call the local mission-oriented credit unions and the Brooklyn CDFIs.
- 03
Ask every institution two questions first: do you lend to ITIN holders, and do you keep loans in-house or sell them? And if you are looking at a two-to-four family, ask exactly how much projected rent they will count.
- 04
Above all: hire your own attorney, and never sign a document that transfers your deed without that attorney reading it. Deed theft is real here, and your signature is the only thing it needs.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN KINGS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN KINGS COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.101 institutions fund homes and repairs inside New York county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.