Family First
Family First
Family First
Family First
Due to CDC guidance, we strongly encourage all unvaccinated members to wear a mask when inside our branches. Masks are available upon request. Thank you for your cooperation!
All Family First branches and the call center will be closed on Monday, October 11 for Columbus 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.

Home Buyer Dream Program

With Family First and the Homebuyer Dream Program, you can get up to a $10,000 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 $10,000 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 and is expected to become available in June of 2021. It’s important to get pre-approved before then so you’ll be ready to go. Find out more here!

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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