The bank did their appraisal a week ago, and I got the results Wednesday. I had to submit a few more bank statements, and they have submitted my application to SONYMA on Friday. As far as I can tell, that's the last step - now I'm just waiting for SONYMA to approve it.
SONYMA is a program that NY State does for first-time home buyers. They will pay 3% of the closing costs (minimum $3,000) and you'll get a low interest rate (currently 5.75%). I was very glad my bank told me about this program - I went to a local credit union last year, and they don't participate in the program, so they did not tell me about it. I was very glad that I did not go with them this year!
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