All Family First offices and the call center will be closed on Monday, November 11 for Veterans Day.

1st Time Home Buyers

Our Personalized First Time Home Buyer Assistance

We know how special the first-time home buying journey is. But we also know that this journey can be a challenging one if you don’t have a trusted team on your side. We are with you every step of the way to help you settle into your dream home!

Making Your Home Buying Dreams a Reality

We offer numerous mortgage programs to promote homeownership among low to moderate-income individuals throughout Rochester, NY and beyond. Through our partnership with The State of NY Mortgage Agency (SONYMA), the traditional programs offer low interest mortgages for first-time homebuyers.

SONYMA Mortgages

With a SONYMA Mortgage, you can benefit from:

  • Down payments as low at 3% with a Fixed Rate loan
  • Availability of Down Payment Assistance Loans of $3,000 or 3% of the home purchase price (whichever is higher; maximum: $15,000). Click here to go the SONYMA page and find out more details.
  • With borrowers contribution as low as 1%, many of our members who are renting can become home owners much sooner than they realized.
  • There are two programs available to meet your needs
  • SONYMA Mortgage loans have a maximum income guideline, purchase price limit and are typically only for First Time Home Owners. Family First CU does not service SONYMA loans that we originate Exceptions apply so call today!

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