Family First
Family First
Family First
Family First

Certificates of Deposit are currently not appearing in Home Banking and our Mobile App. Our vendor is aware of this and is working to fix the issue. We apologize for any inconvenience this may cause.

Hours Changes: Beginning the week of Jan. 4, 2021, the Penfield Branch and the Call Center will be closing at 5:00 pm on Fridays and the Henrietta Branch will be closed on Saturdays.

Attention: Online banking may be temporarily unavailable on Dec. 4th, 2020 due to scheduled maintenance. We apologize for any inconvenience.

For immediate assistance, please call or text us at 585.586.8225

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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