It depends on the loan type and property. For conventional loans, expect a minimum of 5–20% down. FHA loans allow as little as 3.5% down with a credit score of 580+. Co-ops typically require 20–30% and board approval. Condos and multi-family properties have their own requirements. AFMC's licensed MLO will review your full financial picture and find the best program for your situation — often pre-approving buyers within 24 hours.

When you buy a condo, you own your unit outright as real property — similar to owning a house. When you buy a co-op, you purchase shares in a corporation that owns the building, and you receive a proprietary lease for your unit. Co-ops are more common in Manhattan and typically have stricter board approval processes, higher down payment requirements (20–30%), and restrictions on subletting. Condos offer more flexibility and are easier to finance. AFMC agents know both structures inside and out and will walk you through the right choice for your goals and budget.

AFMC serves all five boroughs — Manhattan, Brooklyn, Queens, the Bronx, and Staten Island. We work with buyers, sellers, renters, and investors across neighborhoods including Harlem, Bed-Stuy, Astoria, Riverdale, Flushing, and beyond. Our licensed agents know local market conditions, pricing trends, and building types in each area. Whether you're buying a co-op in Manhattan or a two-family in Brooklyn, AFMC has the local expertise to guide you.

AFMC strictly complies with the Federal Fair Housing Act, the NYC Human Rights Law, and NY Executive Law §296. We serve every client equally, regardless of race, color, religion, national origin, sex, disability, familial status, sexual orientation, gender identity, or source of income. We do not engage in steering, redlining, or any discriminatory practice. If you have a fair housing concern, contact the NYC Commission on Human Rights or HUD directly.

Yes. AFMC NY operates under licensed broker Sy Williams and is fully compliant with the New York Department of State Division of Licensing Services. All agents are NY State licensed real estate salespersons. Call (212) 644-8231 to verify credentials or ask about our compliance standards.

Three things: we're local, we're experienced in NYC real estate, and we treat every client like a long-term relationship. AFMC is a boutique NYC brokerage — not the kind with 500 agents who never learn your name. We cover all five boroughs with agents who actually live and work here. Call (212) 644-8231 to get started.

Yes — AFMC works with all client types. First-time buyers get patient guidance through the entire process, from understanding the NYC market to finding the right property. Investors get market-savvy agents who know cap rates, cash flow, and NYC's rental landscape. Renters get help finding apartments that fit their budget and lifestyle. Call (212) 644-8231 and tell us where you are in the process.

AFMC offers a full suite of NYC real estate services: buyer representation across all property types and all five boroughs, seller representation with strategic pricing and negotiation, rental assistance for tenants and landlords, and investor advisory for multi-family and investment properties. Schedule a free consultation at (212) 644-8231.

Simple. Call or text us at (212) 644-8231, submit the contact form on this page, or book a free consultation directly through our website. Tell us whether you're buying, selling, or renting — and we'll connect you with the right person on the AFMC team within one business day. No pressure, no commitment. Just a straight conversation about what you're trying to accomplish and how we can help.

You can confirm our NYS Real Estate Broker License and agent licenses through the NY Department of State's official eAccessNY verification portal at apps.dos.ny.gov. Look up broker Sy Williams or any AFMC agent by name. Call (212) 644-8231 if you'd like us to provide license numbers directly.

Accountable Financial Managment Corp. AFMC, known online as accountfin.biz, is a fully licensed New York State (NYS) real estate brokerage (and Mortgage Loan Origination brokerage, NYS License NMLS ID#62410), serving all NYS, NYC boroughs, Westchester, Long Island, and the greater NY metropolitan area. We provide real estate sales, rentals, investments, and comprehensive financial management, combining local expertise with personalized, compliant service. Our team is committed to transparency, client success, and regulatory best practices on every transaction.