Home financing in Nassau County.
County-by-county financing guides. No paperwork. No social. No ID.
4 institutions are headquartered inside the Nassau County line, Hempstead included, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Nassau 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.
- 7
- DOORS HERE
- 4
- BASED HERE
- 56
- NY COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 1.4Mresidents of Nassau County
- Covers
- Hempstead
- 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.
New York University Credit Union · Disability Fund, Inc., TheOwned 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.
Local 804 Credit Union · Municipal Credit Union- Local 804 Credit UnionPersonal · Home · Business capital
- Disability Fund, Inc., TheCommunity lending · Business capital
- La Fuerza Unida Community Development CorporationCommunity lending · Business capital
- Transit Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Nassau County line. You can walk in.
- Municipal Credit UnionMinority depositoryPersonal · Home
- New York University Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Far Rockaway Postal Credit UnionMinority depositoryPersonal
- 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
3 of the 7 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.
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 (Mar 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.
Nassau County housing is expensive to buy and expensive to hold, and the property tax bill is often the number that decides the deal. This guide explains the kinds of home financing that exist here, who qualifies when your income comes on 1099s or from several adults in one household, what underwriters ask for, which institutions in our directory are based inside the county and which are actually open to you, the New York rules that protect homeowners more than most states do, and the deed and contractor traps that have cost Long Island families their houses.
It's a process, not a rejection.
Home financing is any money used to buy, build, repair, or refinance a place to live. Locally it takes these shapes: a conventional mortgage, a government-backed mortgage with lighter down payment requirements, a portfolio or ITIN mortgage a lender keeps on its own books, a co-op share loan — which is not technically a mortgage and is underwritten differently — a home equity loan or line against a house you already own, a renovation loan, and down payment or closing-cost assistance that arrives either as a grant or as a loan forgiven over time.
Two facts shape everything here. First, prices are high and the housing stock is old: mostly postwar single-family capes, ranches, and splits that need roofs, boilers, windows, and electrical work.
Second, the property tax bill is large enough that it drives the monthly payment as much as the loan does.
When a family here gets declined, the reason is frequently the taxes and insurance inside the payment, not the price of the house.
The third local reality is the accessory apartment.
A great many Nassau houses have a basement or above-garage unit, and a great many of those were never permitted.
That rental income is real money the family lives on, and it is money no appraiser will count and no underwriter can use. Getting an existing unit legalized where the town allows it is sometimes the single highest-value financial move available to a household here — it converts invisible income into income a lender can see.
Forget what the banks say.
Mortgage underwriting asks four questions: can you document income, how much debt do you carry against it, what does your credit history show, and does the property support the loan. In this county the last question carries extra weight because of taxes.
Households that get approved here look like this:
- A hospital, school district, municipal, transit, or utility employee with steady W-2 pay
- A licensed contractor or subcontractor with two full years of filed returns showing the income
- A home health aide or childcare provider with agency pay records, often with overtime history
- A household where three or four adults contribute to one payment
- A family with an ITIN and no Social Security number, working with a lender that keeps its own loans
- A longtime owner refinancing or borrowing to repair a roof, a boiler, or old wiring
Some honest specifics. Self-employment income is averaged over two years and counted after deductions — the write-offs that cut your taxes also cut the income a mortgage is built on, so talk to your preparer the year before you buy.
Overtime and a second job count when there is a documented history.
Rental income from a legal unit counts; rental income from an unpermitted one does not.
Ask each lender early how it treats contributions from adults who will not be on the loan, because the answers differ and it changes what you can afford. Mixed-status households buy homes here regularly: who signs the loan and who appears on the deed are separate decisions, and they deserve a deliberate conversation rather than someone else's assumption. And ask about the matrícula consular at the counter if that is your ID — some institutions accept it and some do not.
Get your papers in order.
This is the thickest file in the guide. Build the folder before you shop, because the missing pieces are what cause delays and lost deals.
- 01Government-issued photo ID for every adult on the loan
- 02ITIN or SSN for each applicant
- 03Two years of filed tax returns with all schedules
- 04W-2s
Or 1099s plus a profit-and-loss statement if you are self-employed
- 05Two to three months of pay records
Twelve months of bank statements if your income is seasonal
- 06Two to three months of statements for every account, including accounts shared with relatives
- 07A written record of any down payment money given or loaned by family
- 08Your landlord's information and a rent payment history
- 09If you already own
The deed, the tax bills, the survey, and your insurance policy
- 10If work was done without permits
Photographs, receipts, and a written list of what exists
- 11For a co-op
The building's financial information and the board's application package
- 12For renovation
Contractor license, insurance, signed scope of work, and the permit file
The doors worth knowing.
Nassau has more verified doors than most counties in this directory, but not all of them are open to everyone. Try them in this order.
ALL 7 DOORS, BY NAME AND BY TOWN- 7
- DOORS HERE
- 100
- ACROSS NY
Based in New York, 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 Port Washington, New York. 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 working capital, equipment and payroll for a small business.Based in New York, New York. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. 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 Rockville Centre, New York. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.
Don't fall into these traps.
The most expensive mistakes in this guide live in the home lane, and Long Island has seen a particular set of them for a long time.
Anyone who solves a missed payment by taking your title — an "investor," a "partner," a company that will "hold the house and rent it back to you until you recover" — is taking your home. New York has criminalized this specifically. Never sign anything that moves your deed without your own attorney reading it first.
Illegal, and unnecessary: HUD-approved counselors do that work for free.
Older homeowners with equity and a fixed income are the most heavily targeted group on Long Island. If someone approached you first, that is the warning sign.
"You can refinance later" is not a promise. If you cannot pay the balloon out of your own income, the loan is a countdown.
Do not let a broker build your application on income no underwriter can use, and do not assume a town will overlook it. Ask about legalizing the unit instead.
Check the county license, require insurance, get the written contract New York requires, and pay for materials and progress — never the whole job up front.
Whoever hands you the professional is not working for you.
Family gifts are normal and allowed, but they must be papered. Unexplained deposits stop a file cold.
No legitimate closing has to happen today. Take the documents home, read them, and have someone who is on your side read them too.
Everything below is set by New York, and it reads the same in every county in it. The 7 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 gives homeowners real protection. Most people do not learn what they have until they need it.
Foreclosure in New York goes through court. That makes the process slower than in states where a trustee can sell a home without a judge, and New York requires settlement conferences where you, your lender, and the court sit down to look at alternatives. If you fall behind, answer the court papers and call a HUD-approved counselor. Doing nothing is the only way to lose the protection.
Closings here are done with attorneys on both sides, which is an added cost and a genuine safeguard: someone whose job is your interest reads the documents. Use it. Ask your attorney to explain every fee on the closing disclosure, and ask specifically whether anything on the loan changed from what you were quoted.
Property taxes drive affordability in this county. Apply for the state's school tax relief exemption and any senior, veteran, or disability exemption you qualify for — they are not automatic. If your assessment looks wrong compared with similar houses, the county has a review process for challenging it, and filing costs nothing.
New York licenses mortgage lenders and brokers through its state financial regulator and caps interest in ways most states do not, which is why storefront payday lending is illegal here. It also has strong rules against deed theft and equity stripping, and it has been strengthening them, which tells you how common the problem has been.
One local note: home improvement contractors in Nassau County must be licensed by the county's consumer affairs office, and New York's home improvement contract rules limit deposits, require written contracts, and give you a short window to cancel. If a contractor says none of that applies to him, he is the reason those rules exist.
The short version.
- 01
Buying or keeping a home in Nassau County comes down to two numbers: what you can document as income, and what the taxes and insurance add to the monthly payment. Get both in front of you before you shop.
- 02
Start with what is free: a HUD-approved housing counselor, the state's first-time buyer and down payment assistance programs, your town or county community development office, and the county's assessment review process if your tax bill looks wrong.
- 03
Then the local doors, in order: the two mission lenders based inside the county, the credit unions based or branched here — asking each one who can join and what home lending it does — and the three national nonprofits if your credit file needs building first.
- 04
If your house has an apartment that was never permitted, ask about legalizing it. That single step can turn invisible income into income a lender can count.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN NASSAU COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN NASSAU COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.100 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.