Buying vs. Renting: What’s Right for You?

house with black shutters

In an increasingly expensive world, most of us are looking for the most cost-effective ways to get by. Many people are unsure if its more economical to buy or rent a home. Unfortunately, there isn’t a blanket answer for this question. But, there are some key things to consider that can help you determine if… [Read More]

Getting a Mortgage after Bankruptcy


Recovering after bankruptcy takes time. With dedication, however, you can begin to make great strides to improve your credit and financial health in just a few years. When it comes to buying a home after bankruptcy, there are a few options to consider. Certain loans have strict rules about how long after bankruptcy you can… [Read More]

USDA Loan Refinance Solutions

upscale house in california

USDA loans are a popular type of home financing because they have easy qualifying requirements and no down payment requirement. For people with low to moderate income, USDA loans can open the door to homeownership that may not have been available with conventional home financing. If you have a USDA loan, you may have considered… [Read More]

Home Financing Frequently Asked Questions


At Nickel City Funding, we’ve been in the mortgage business for a long while. Our team has found financing for clients with all sorts of needs and unique challenges. We know the mortgage and real estate markets well in North Tonawanda, Hamburg, Amherst, West Seneca, and Lancaster, NY. We take the time to walk each… [Read More]

Low Down Payment Mortgage Options


Raising the cash for a down payment is the final hurdle many people face before making the choice to buy a home. In this week’s blog from Nickel City Funding, we will explore a few different low down payment mortgages to consider. When you’re ready to learn more about these options and get a free… [Read More]

VA Loan Refinancing Solutions for Savings or Cash in Hand

In this week’s blog, we’re diving into VA loan refinance options to save money or turn home equity into cash. Much like conventional loan refinancing, there are both rate-and-term and cash-out VA loan refinancing options. When you work with a qualified lending agent, refinancing doesn’t have to be a difficult process and may cost you… [Read More]

How Much Mortgage Can I Afford?

Senior couple and their granddaughters smiling for the camera

A huge part of being a successful and financially healthy homeowner is ensuring that the house you buy makes sense for your budget – now and in the future. One of the most common questions our agents are asked at Nickel City Funding is, “How much mortgage can I afford?” A mortgage is a big… [Read More]

The FHA Energy Efficient Mortgage Program

cookie cutter houses

If you’re interested in purchasing or refinancing a home that would benefit from energy efficient improvements, consider the FHA Energy Efficient Mortgage (EEM) program. This privately funded, government-backed home financing option to fund the purchase of a home and cover the costs of approved energy efficient improvements on the home. In this week’s blog from… [Read More]

First-Time Homebuyer Programs


Buying your first home is a momentous occasion for most families. It’s a substantial financial investment that can be intimidating. Thankfully, there are several types of first-time homebuyer (FTHB) programs available to New York residents. In this week’s blog from Nickel City Funding, our mortgage professionals will go through some of the most popular programs… [Read More]

USDA Loan Eligibility

ranch house

USDA loans are a type of nonconventional home financing solution designed to help populate suburban and rural areas in the United States through affordable mortgages for low- to moderate-income families. The USDA Single Family Housing Guaranteed loan program is funded through private lenders and insured by the U.S. Department of Agriculture: Rural Development. These loans… [Read More]