As Rochester’s premier mortgage lender for First Time Homebuyers, Family First offers numerous mortgage programs to promote homeownership among low to moderate-income individuals throughout the Greater Rochester area. Our local mortgage experts are here to help you navigate your options based on income limits, credit scores, and more, so you know you’re getting the mortgage that’s right for you.Â
Some of the mortgages that we offer include Conventional, USDA, FHA, and VA loans. For additional mortgage solutions and information, click the link below to learn more.
Homebuyer Dream Program
With Family First and the Homebuyer Dream Program, you can get a grant starting at $10,000 to help you purchase your first home!
This program is offered to eligible first time homebuyers and awards funds on a first come first serve basis. Grant money can be used for down payment, closing costs assistance, and as credit towards an approved homeowner counseling program. The 2026 Homebuyer Dream Program is now open! Contact us to start the process today.Â
The Homebuyer Dream Program is available through the Federal Home Loan Bank of New York.
SONYMA Mortgages
- SONYMA Mortgages have a maximum income guideline, purchase price limit, and are typically only for First Time Homebuyers
- There are 2 programs available: the Achieving the Dream Program & the Low Interest Rate Program
- Down payments as low as 3% with a Fixed Rate loan
- Down Payment Assistance Loans of $3,000 or 3% of the home purchase price (whichever is higher; maximum $15,000)
- Borrowers contribution as low as 1%
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Resources for First Time Homebuyers
Are you ready to become a homeowner? We’re ready to help! Check out the full recording from our recent First Time Homebuyer Webinar to hear everything you need to know about the home-buying process from local Family First mortgage experts, or download the presentation below!
