We are aware that some of our Family First VISA card holders who are signed up for eStatements received a paper statement for the month of January. These members should have received their January VISA eStatements also and will not receive a paper statement fee. We’re working with our vendor to ensure this doesn’t happen in the future. We apologize for this error. 

All Family First branches and the call center will be closing early at 1:00 PM on Monday, April 8 due to the full solar eclipse happening that afternoon. We hope you enjoy the eclipse!  

Family First Debit and Credit Cards are currently experiencing an issue where transactions are not going through. We are working to resolve this and apologize for the inconvenience.

1st Time Homebuyers

Our Personalized First Time Homebuyer 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!

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Are you just starting the home buying process? Do you need to get prequalify right away? Let us know how we can help you and we'll get ready for you.
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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.

Homebuyer Dream Program

With Family First and the Homebuyer Dream Program, you can get up to a $20,000 grant to help you purchase your first home!

The HBD is a grant program offered to eligible first time home buyers that provides up to $20,000 on a first come first serve basis. Grant money can be used towards your down payment and closing costs and as credit towards an approved homeowner counseling program.

This grant program is through the Federal Home Loan Bank of New York. It’s important to get pre-approved before then so you’ll be ready to go. 

SONYMA Mortgages

  • Down payments a low as 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)
  • With borrowers contribution as low as 1%, many of our members who are renting can become homeowners much sooner than they realize
  • There are 2 programs available: the Achieving the Dream Program & the Low Interest Rate Program
  • SONYMA Mortgages have a maximum income guideline, purchase price limit and are typically only for First-Time Homebuyers


Achieving the Dream Income Limits

Low Interest Rate Program Income Limits

Resources for 1st-Time Homebuyers

You’re 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 Family First mortgage experts, Ron Kraft and Julie Vella, or download the presentation PDF below!

Joining is Easy

Talk to a Mortgage Expert Today

Home Loan Rates

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