Welcome to the First Time Borrower's Guide!
We are delighted that you have decided to take advantage of the Home Loan Bank of New York's (HLB) credit products! As you know, our advances are competitively priced, with flexible structures that can help your institution meet its liquidity needs.
This guide will assist you through the process of requesting your first advance. You can navigate through each step on the left. At any time, you can contact your Calling Officer or a Credit Service Representative and they will be happy to help you.
As always, we value your membership in the HLB and look forward to our ongoing partnership.
Note: To take advantage of the HLB's credit products, a financial institution must first become a member. If you are not a member, learn how the HLB can be your financial partner by clicking here.

