First Time Buyer Guide — Queens, NY

First Time Home Buyer in Queens, NY —
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Buying your first home in Queens is one of the most exciting and complex financial decisions you will ever make. This guide covers everything you need: the assistance programs available to Queens first-time buyers, a step-by-step walkthrough of the purchase process, what credit score and down payment you actually need, and the most common mistakes that first-time buyers make — and how to avoid them. Nitin Gadura has guided hundreds of Queens families through their first home purchase and is ready to guide you too.

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Assistance Programs

First-Time Buyer Programs Available in Queens, NY

New York State and New York City offer some of the most substantial first-time buyer assistance programs in the country. Understanding what is available — and whether you qualify — can dramatically change what you can afford and how much you need to save from your own funds.

NYC HomeFirst Down Payment Assistance
Up to $100,000 in Assistance

NYC HomeFirst is administered by the Department of Housing Preservation and Development and provides forgivable loans toward down payment and closing costs for first-time buyers purchasing in New York City, including Queens. For loans above $40,000, the assistance is forgiven over 10 years of owner-occupancy — meaning if you live in the home as your primary residence for the required period, the loan does not need to be repaid.

  • Up to $100,000 in down payment and closing cost assistance
  • Household income at or below 80% of Area Median Income (AMI)
  • Minimum 3% buyer contribution from own funds required
  • Completion of HPD-approved homebuyer education course required
  • Property must be purchased as primary residence in NYC
  • Applies to 1–4 family homes, condos, and co-ops
  • Must use an approved participating lender

Income limits are updated annually. Verify current limits with an approved HPD lender or contact Nitin for a referral.

SONYMA — State of NY Mortgage Agency
Below-Market Interest Rates + Down Payment Loan

SONYMA offers multiple mortgage programs for first-time homebuyers in New York State, providing below-market fixed interest rates and down payment assistance loans (DPAL) that can significantly reduce your out-of-pocket costs. SONYMA loans are available through approved participating lenders across New York.

  • Achieving the Dream: Lowest rate program for buyers at or below 80% AMI
  • Low Interest Rate Program: Open to buyers at or below 115% AMI
  • Down Payment Assistance Loan (DPAL): Up to 3% of purchase price, 0% interest
  • DPAL forgiven after 10 years of owner-occupancy
  • Must be a first-time homebuyer (no ownership in past 3 years)
  • Income and purchase price limits apply by county
  • Queens purchase price limits among the highest in NY due to high-cost designation

SONYMA programs can be layered with NYC HomeFirst in some scenarios — ask your lender about combination eligibility.

FHA Loan — Federal Housing Administration
3.5% Down Payment — Most Accessible

FHA loans are insured by the federal government and remain the most accessible mortgage option for first-time buyers with limited savings or less-than-perfect credit. They allow lower down payments and more flexible qualifying criteria than conventional loans.

  • 3.5% down with 580+ credit score; 10% down with 500–579 score
  • Gift funds allowed for 100% of the down payment — common with family-assisted buyers
  • Higher debt-to-income ratios permitted vs. conventional loans
  • 2024 FHA loan limit for Queens: $1,149,825 (high-cost area designation)
  • Mortgage Insurance Premium (MIP) required: 1.75% upfront + annual premium
  • Available for 1–4 unit properties (buyer must owner-occupy)
  • Property must meet FHA minimum condition and appraisal standards

FHA's mortgage insurance adds to monthly costs — run the numbers against conventional options once your credit score reaches 680+.

Conventional 97 and HomeReady / Home Possible
3% Down — Lower Long-Term Cost

Conventional loan programs from Fannie Mae and Freddie Mac offer competitive low-down-payment options for first-time buyers who may earn too much for income-restricted programs but still want to minimize their down payment. These programs allow cancellable private mortgage insurance once equity reaches 20%.

  • Conventional 97: 3% down for first-time buyers with 620+ credit score
  • HomeReady (Fannie Mae): 3% down, income limits at 80% AMI, reduced PMI costs
  • Home Possible (Freddie Mac): 3% down, income limits at 80% AMI
  • PMI can be cancelled when loan-to-value reaches 80% — unlike FHA MIP
  • No upfront mortgage insurance premium (unlike FHA's 1.75%)
  • Available for condos, single-family, and 2–4 unit owner-occupied properties
  • Homebuyer education required for first-time buyer versions

For buyers with 620–740 credit scores planning to buy at 3% down, compare FHA and Conventional 97 total costs carefully — the optimal choice depends on your exact score and loan amount.

VA Loan — Veterans and Active Military
Zero Down Payment — No PMI

VA loans, guaranteed by the Department of Veterans Affairs, offer the most powerful terms of any mortgage program available — zero down payment, no private mortgage insurance, and competitive interest rates. Eligible veterans and active service members in Queens should explore this option first before considering any other program.

  • Zero down payment required (100% financing)
  • No private mortgage insurance — significant monthly savings
  • Competitive interest rates, often below conventional rates
  • Available to veterans, active duty military, and surviving spouses
  • No official minimum credit score — most lenders require 580–620
  • VA Funding Fee required (can be financed into the loan)
  • Available for primary residence purchases — not investment properties

If you or a family member served, contact a VA-approved lender before evaluating any other program. The benefits are unmatched.

USDA Loan — Rural Development
Zero Down — Specific Eligible Areas Only

USDA Rural Development loans offer zero-down financing for properties in eligible rural and suburban areas. While most of Queens does not qualify, certain areas of Nassau and Suffolk County on Long Island are USDA-eligible, making this relevant for buyers open to purchasing in those markets.

  • Zero down payment required in eligible areas
  • Income limits apply — typically 115% of area median income
  • Property must be in a USDA-designated eligible rural area
  • Available in parts of Nassau and Suffolk County (Long Island)
  • Primary residence only — no investment or vacation properties
  • Annual guarantee fee and upfront guarantee fee required
  • Check USDA eligibility maps for specific property addresses

If you are open to Long Island as well as Queens, ask Nitin about USDA-eligible areas in Nassau and Suffolk counties where this program applies.

10-Step Process

Step-by-Step Guide for First-Time Buyers in Queens

The Queens home buying process has specific requirements and timelines that differ from many other markets. Understanding each step before you begin puts you in control and helps you avoid costly mistakes.

Foundation

Assess Your Financial Picture

Before you begin looking at homes or talking to lenders, take an honest inventory of your financial situation. Pull your credit reports from all three bureaus (Equifax, Experian, and TransUnion) and review them for accuracy. Check your credit scores. Calculate your monthly income and all recurring debt payments to estimate your debt-to-income ratio. Assess your liquid savings — distinguishing between what you can deploy for down payment, what you need for closing costs, and what you should retain as post-closing reserves.

Understand that buying a home in Queens involves more out-of-pocket costs than just the down payment. New York's mortgage recording tax, attorney fees, title insurance, inspection costs, and prepaid items (insurance, property tax escrow) add up quickly. Many first-time buyers are surprised to discover their total cash needed at closing is 7–10% of the purchase price, not just the down payment percentage.

Education

Complete a Homebuyer Education Course

If you plan to use NYC HomeFirst, SONYMA, or most other first-time buyer assistance programs, a HUD-approved homebuyer education course is required. Even if you do not plan to use an assistance program, the course is genuinely valuable — covering the full buying process, how to read a contract of sale, homeownership responsibilities, and financial management basics. Courses are typically 8 hours and available online or in person through approved providers in Queens and throughout the city.

Completing the course early gives you a certificate that is ready when you need it for a program application — rather than discovering you need it when you are already under contract and time-sensitive. Nitin Gadura can connect you with HUD-approved counseling agencies that serve Queens buyers.

Financing

Get Pre-Approved — and Choose Your Loan Program

Mortgage pre-approval is not just a formality — it is the document that makes your offer credible in the Queens market. To get pre-approved, you will provide your lender with tax returns, W-2s, bank statements, pay stubs, and identification. The lender will review your credit, income, assets, and employment and issue a pre-approval letter stating the maximum loan amount you qualify for and the program you are approved for.

Use this step to also evaluate which loan program makes the most sense for your situation. Compare FHA versus conventional loan total costs. Ask about SONYMA and HomeFirst eligibility. If you are a veteran, explore VA loan options first. A good mortgage professional will model out multiple scenarios so you can make an informed decision — not just push you toward whatever is easiest for them to originate.

Strategy

Define Your Priorities and Hire a Buyer's Agent

Before you begin touring homes, articulate your priorities clearly: neighborhood preferences, commute requirements, minimum bedroom count, property type (single-family, two-family, condo), must-have versus nice-to-have features, and deal-breakers. Having this clarity prevents emotional decision-making in the heat of a competitive situation.

Engage Nitin Gadura as your buyer's agent. A dedicated buyer's agent in Queens provides market intelligence, access to listings before they go public, offer strategy, inspection guidance, and full-transaction representation — at no direct cost to you in most transactions. Attempting to navigate the Queens market without experienced representation is one of the most common and expensive mistakes first-time buyers make. The seller's agent works for the seller; you need someone working for you.

Search

Search Properties and Tour Homes

Nitin will set you up with a daily MLS alert for new listings matching your criteria, ensuring you see new properties as soon as they hit the market. In a competitive Queens market, being among the first to tour a new listing can be the difference between getting a showing and missing the property entirely. Plan to tour several homes in your target neighborhoods to calibrate your expectations — what $700,000 buys in Howard Beach versus Jamaica versus Flushing tells very different stories, and the only way to internalize those differences is to see properties in person.

During tours, assess the condition honestly. Look beyond cosmetic staging to evaluate the bones of the home: the roof condition, the age of major systems (HVAC, plumbing, electrical), the foundation, and the basement. Note any visible evidence of water intrusion, deferred maintenance, or unpermitted alterations. Your eventual home inspector will look at all of this in detail, but developing a trained eye early helps you filter properties more efficiently.

Offer

Make a Strategic Offer

When you find the right property, Nitin will prepare and present a written offer on your behalf. The offer covers the purchase price, down payment amount, financing type, proposed closing date, contingencies (financing, inspection, appraisal), and any personal property to be included. In Queens, the offer is typically prepared using a standard form and accompanied by a copy of your pre-approval letter and a personal letter from your agent establishing your credibility as a buyer.

In competitive situations, Nitin will advise you on whether to offer at, above, or below asking price based on current comparable sales, days on market, and his read of the seller's situation. He will advise on the appropriate earnest money amount and whether including an escalation clause is beneficial. The goal is always to position your offer as the most compelling one the seller receives — at the best price you can reasonably achieve.

Contract

Attorney Review and Contract Signing

Once your offer is accepted in Queens, the seller's attorney prepares a formal Contract of Sale and forwards it to your attorney for review. Your attorney will examine every clause, negotiate modifications on your behalf, and ensure the contract protects your interests adequately. This process typically takes three to seven business days — move quickly to engage an attorney if you do not already have one, as delays on your end can frustrate sellers.

Key elements your attorney will focus on include: financing contingency language (what happens if your mortgage falls through), inspection contingency terms, required deliverables from the seller (CO compliance, open permits), certificate of occupancy representations, and the earnest money deposit terms. Once both attorneys approve the final contract and both parties sign, you deliver the earnest money deposit (typically 10% of purchase price in Queens) to the seller's attorney's escrow account, and you are formally in contract.

Due Diligence

Home Inspection and Due Diligence

Hire a licensed home inspector to conduct a thorough inspection of the property — typically within 7 to 10 days of contract signing. The inspection covers the structure, roof, electrical, plumbing, HVAC, windows, and visible insulation. In Queens, older housing stock commonly presents with knob-and-tube wiring, aging boilers, flat roofs with limited remaining life, oil tanks (above or underground), and incomplete permit work.

Review the inspection report carefully with Nitin. Items fall into genuine defects (structural, safety, or significant mechanical issues), deferred maintenance (items that need attention but are normal for the age), and cosmetic conditions. Negotiate credits or repairs for legitimate concerns — but avoid letting minor items jeopardize a good transaction. For first-time buyers, Nitin will help you distinguish between what is worth negotiating hard and what is standard Queens housing stock reality.

Mortgage Approval

Submit Your Mortgage Application and Appraisal

Once the contract is signed and your inspection is complete, submit your full mortgage application to your lender immediately. Your lender will order an appraisal of the property to confirm its value supports the loan amount. For FHA loans and SONYMA loans, the appraisal has stricter condition requirements than conventional financing — certain property deficiencies must be repaired before the appraisal can clear.

During underwriting, avoid any changes to your financial situation. Do not open new credit accounts, make large purchases on credit, change jobs, or move large sums of money without documenting the source. These actions can delay or derail your mortgage approval even after you are under contract. Your lender will issue a Mortgage Commitment Letter when full underwriting is approved — this is a major milestone that confirms your financing is secure.

Closing Day

Final Walkthrough and Closing

In the days before closing, conduct a final walkthrough of the property to confirm it is in the agreed condition: seller belongings removed, included fixtures present, and any agreed repairs completed. Bring any issues to Nitin's attention immediately — they can typically be resolved with a price credit at the closing table rather than delaying the closing itself.

On closing day, bring a cashier's check or wire transfer for the exact closing amount specified by your attorney. Expect to sign a substantial volume of documents over two to three hours: the mortgage note, deed of trust, title insurance commitments, transfer tax forms, ALTA closing disclosure, and lender-required acknowledgments. After all parties sign, the deed is recorded with Queens County, the seller receives their proceeds, and you receive the keys to your first home. Nitin attends every closing to ensure everything goes smoothly. It is the beginning of one of the most significant chapters of your life.

Financing Requirements

What Credit Score Do You Need?

Your credit score is the single most important factor lenders evaluate. It determines which loan programs you qualify for, what interest rate you receive, and whether you need private mortgage insurance. Here is a practical breakdown for Queens buyers.

Credit Score Range Score Tier Loan Options Available Notes for Queens Buyers
740 and above Excellent All programs — best available rates on conventional, FHA, VA Lowest PMI rates on conventional loans. Strongest negotiating position. Best SONYMA rate tiers.
700 – 739 Good Conventional, FHA, VA, SONYMA, HomeFirst Good rate access. Some PMI premium above 740 tier. All programs accessible with standard terms.
660 – 699 Good Conventional (with higher PMI), FHA, VA, SONYMA, HomeFirst PMI costs increase on conventional. FHA may offer more competitive overall costs at this range. All assistance programs accessible.
620 – 659 Fair FHA (strong option), VA, SONYMA (minimum), Conventional (limited lenders) Conventional 97 technically accessible but rate and PMI premiums are significant. FHA is typically the better path. SONYMA meets minimum but rate tier is less favorable.
580 – 619 Fair FHA (3.5% down), VA Conventional financing generally unavailable. FHA is the primary path for Queens buyers in this range. Focus on credit improvement while saving. Many lenders have overlays above FHA's 580 minimum — expect lender minimums of 600–620.
500 – 579 Below Standard FHA with 10% down (limited lenders), VA Very limited financing options. Nitin can connect you with a HUD-approved housing counselor to build a credit improvement plan. Most buyers in this range benefit from a 6–18 month credit recovery strategy before purchasing.

Credit Score Improvement Strategies: Pay down revolving credit card balances below 30% of the credit limit on each card. Never miss a payment — set up autopay for minimums. Dispute any errors on your credit report immediately. Do not open new credit accounts in the 12 months before applying for a mortgage. Keep your oldest credit cards open and active. These strategies can raise your score meaningfully within 3–6 months.

Cash Requirements

How Much Do You Need to Buy in Queens?

Understanding the full cash requirement — not just the down payment — is essential for financial planning. The table below illustrates total estimated cash needed for a $700,000 purchase (approximately mid-market for Queens in 2025), which is a useful reference point regardless of your specific target price.

Cost Item FHA (3.5% Down) Conventional 97 (3% Down) Conventional (20% Down)
Down Payment $24,500 (3.5%) $21,000 (3%) $140,000 (20%)
Mortgage Recording Tax ~$12,100 (1.8% on loan) ~$12,285 (1.8% on loan) ~$10,780 (1.925% on $560K)
Attorney Fees (Buyer) $1,500 – $2,500 $1,500 – $2,500 $1,500 – $2,500
Title Search and Insurance $1,500 – $2,500 $1,500 – $2,500 $1,500 – $2,500
Appraisal $500 – $800 $500 – $800 $500 – $800
Home Inspection $400 – $700 $400 – $700 $400 – $700
Prepaid Items (Insurance + Tax Escrow) $3,000 – $5,000 $3,000 – $5,000 $3,000 – $5,000
FHA Upfront MIP (1.75%) $12,163 (financed into loan) N/A N/A
Origination / Lender Fees $2,000 – $4,000 $2,000 – $4,000 $2,000 – $4,000
Estimated Total Cash at Closing ~$45,500 – $52,000 ~$42,000 – $48,000 ~$159,000 – $165,000

HomeFirst Impact: If you qualify for NYC HomeFirst at the maximum $100,000 level, your required cash at closing for an FHA purchase could drop from ~$50,000 to roughly $25,000–$30,000 from your own funds (after the HomeFirst assistance and your minimum 3% contribution). This is transformative for buyers who have been priced out of Queens' market by closing cost requirements. Ask Nitin about your HomeFirst eligibility.

Buyer Education

8 Mistakes First-Time Buyers Make in Queens

These are the mistakes Nitin Gadura has seen first-time buyers make — sometimes costing tens of thousands of dollars. Knowing them in advance is the simplest way to avoid them.

01

Starting the Search Before Getting Pre-Approved

Touring homes before you are pre-approved sets you up for heartbreak. In Queens, desirable properties move in days. By the time you complete pre-approval after falling in love with a property, it is under contract. Pre-approval is step one — not step four. Do it before you look at a single listing in earnest, and your offer will be ready to submit the day you find the right home.

02

Underestimating Total Closing Costs

New York's mortgage recording tax alone can be $10,000–$13,000 on a typical Queens purchase — a cost that does not exist in most other states. Add attorney fees, title insurance, prepaid items, appraisal, inspection, and lender fees, and buyers who budgeted only for their down payment frequently arrive at closing short of funds. Model the full cash requirement at the start of your search, not at the end.

03

Depleting All Savings on the Down Payment

Emptying your savings account to buy a home leaves you financially exposed as a new homeowner. Appliances break. Roofs leak. Emergency repairs happen. Most financial advisors recommend maintaining 3–6 months of expenses in liquid reserves after closing. If you cannot afford the down payment without zeroing out your savings, explore lower-down-payment programs or down payment assistance rather than leaving yourself with zero cushion.

04

Making Major Financial Changes During the Mortgage Process

Once you have submitted a mortgage application, do not open new credit accounts, purchase a car, make large undocumented cash deposits, change employers, or co-sign a loan for anyone. Underwriters review your financial profile throughout the process — changes between application and closing can trigger re-underwriting, delay your loan, or cause your approval to be rescinded. Even well-intentioned decisions (like buying new furniture on a store credit card) can derail a closing.

05

Skipping or Minimizing Inspection Findings

In competitive markets, some buyers waive the inspection contingency to make their offer more attractive. This is a significant risk — especially in Queens, where older housing stock can hide expensive surprises including outdated electrical systems, underground oil tanks, and foundation issues. If you must waive the inspection contingency to compete, consider having a licensed inspector do a quick pre-offer walkthrough instead. Never purchase a Queens home without any professional inspection of the property.

06

Not Verifying Certificate of Occupancy Compliance

Queens has significant housing stock where finished basements, converted garages, or added apartments were built without proper permits and certificates of occupancy. Purchasing a property with an illegal apartment or unpermitted living space creates legal liability, may affect financing, and could require costly remediation. Your attorney and inspector will flag these issues — but you need to take them seriously rather than hoping they will not matter. Ask specifically about CO compliance for every dwelling unit before making an offer.

07

Choosing a Lender Based Only on Interest Rate

The advertised interest rate is not the only number that matters. Lender fees, points, origination charges, and service quality all significantly affect your total cost and your buying experience. A lender who offers an exceptionally low rate but takes 90 days to close may cause you to lose the property or incur rate lock extension fees. In a competitive Queens market, speed and reliability matter as much as rate. Get quotes from at least three lenders and evaluate the complete loan estimate — not just the rate headline.

08

Attempting to Buy Without an Experienced Queens Buyer's Agent

Some first-time buyers try to navigate the Queens market without dedicated buyer representation — sometimes contacting listing agents directly, believing they can negotiate a better deal. In practice, the listing agent's legal obligation runs to the seller, and unrepresented buyers consistently overpay, overlook due diligence issues, and receive weaker contract protections. An experienced Queens buyer's agent like Nitin Gadura costs you nothing in most transactions and provides knowledge, negotiation skill, and protection that no amount of Zillow research can replace.

Common Questions

Frequently Asked Questions — First-Time Buyers in Queens

The questions Nitin hears most often from first-time buyers in Queens.

The minimum credit score depends on the loan type. FHA loans allow scores as low as 580 for 3.5% down (or 500 with 10% down, though very few lenders will originate these). Conventional loans generally require 620+, with the best rates reserved for scores above 740. VA loans have no official minimum but most lenders require 580–620. SONYMA programs typically require 620 or higher. If your score needs improvement, Nitin can refer you to a HUD-approved housing counselor who specializes in credit building strategies for Queens buyers.
For a $700,000 purchase (roughly mid-market for Queens), an FHA buyer needs approximately $45,000–$52,000 in total cash at closing — covering 3.5% down payment, mortgage recording tax, attorney fees, title insurance, inspection, prepaid items, and lender fees. If you qualify for NYC HomeFirst at its maximum ($100,000), your required cash from your own funds could drop significantly. Down payment programs like SONYMA's DPAL (up to 3% of purchase price) further reduce your out-of-pocket requirements. Nitin will prepare a personalized cash-to-close estimate based on your specific target price and loan type.
NYC HomeFirst provides up to $100,000 in down payment and closing cost assistance for first-time homebuyers purchasing in New York City, including Queens. The assistance is structured as a forgivable loan — meaning if you stay in the home as your primary residence for the required period (10 years for loans above $40,000), the amount does not need to be repaid. Income limits apply (generally at or below 80% of Area Median Income). You must complete an HPD-approved homebuyer education course and contribute at least 3% of the purchase price from your own funds. This is one of the most powerful first-time buyer programs available anywhere in the country.
For buyers with stable income who plan to stay in Queens for 5 or more years, buying is financially superior to renting in most scenarios. Queens has demonstrated consistent long-term price appreciation, and home equity builds through both amortization and price appreciation while rent payments build nothing. Monthly ownership costs — mortgage principal and interest, property taxes, insurance, and maintenance — often compare favorably to renting comparable space, particularly when a two-family home offsets mortgage costs with rental income. That said, if your timeline is under 3 years or your income is unstable, renting may be the smarter near-term decision. Nitin can help you run a genuine rent-vs-buy analysis.
From accepted offer to closing, first-time buyers in Queens typically need 60–90 days — slightly longer than repeat buyers because first-time buyer loan programs (FHA, SONYMA, HomeFirst) have additional underwriting and documentation requirements. The process includes attorney review of the contract of sale, home inspection, mortgage underwriting, title search, and final closing coordination. Starting the mortgage pre-approval process early and having all documentation organized before making offers helps compress this timeline and makes sellers more confident in your offer.
Homebuyer education is required to access most first-time buyer assistance programs in New York, including NYC HomeFirst and SONYMA. Approved courses are typically 8 hours and can be completed online or in person through HUD-approved housing counseling agencies. Beyond the program requirement, the course provides genuinely useful information about the buying process, how to read a contract, and homeownership responsibilities. Nitin Gadura can connect you with approved providers in Queens and throughout the city.
Yes — and it is one of the most powerful wealth-building strategies available to Queens first-time buyers. FHA loans allow purchases of 1–4 unit properties with 3.5% down, provided you owner-occupy one of the units. A portion of the rental income from the other unit can be used to help you qualify for the mortgage — effectively letting the tenant subsidize your purchase. In Queens, two-family homes are abundant, rents are strong, and many first-time buyers dramatically reduce or completely offset their monthly carrying cost. Nitin Gadura has guided many first-time buyers through this strategy and understands the specific financing, CO compliance, and negotiation nuances it involves.
The eight most common mistakes: (1) Starting the home search before getting pre-approved; (2) Underestimating total closing costs — especially New York's mortgage recording tax; (3) Depleting all savings on the down payment and having no reserves after closing; (4) Making major financial changes during the mortgage process (new credit, job change, large purchases); (5) Skipping or minimizing inspection findings; (6) Not verifying certificate of occupancy compliance for all dwelling units; (7) Choosing a lender based only on interest rate without evaluating total cost and service quality; and (8) Attempting to purchase without an experienced Queens buyer's agent.
Free — No Obligation

Ready to Buy Your First Home in Queens?

Schedule a free first-time buyer consultation with Nitin Gadura. In one conversation, Nitin will review your financial situation, help you identify the right loan program, explain every step of the Queens buying process, and answer every question you have — in whatever language you are most comfortable with.

  • Review your pre-approval status and loan program options
  • Identify your HomeFirst and SONYMA eligibility
  • Clarify your Queens neighborhood options by budget
  • Explain the full first-time buyer process step by step
  • No pressure, no obligation — just clear, honest guidance
  • Available in English, Hindi, Punjabi, Gujarati, and Urdu
Nitin Gadura
Nitin Gadura
NYS Lic. #10401383405 — Gadura Real Estate, LLC
(917) 705-0132 info@gadurarealestate.com gadurarealestate.com

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