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.

Rochester’s Home Buying Experts 

Your Trusted Home Buying Guide

Buying a home can be overwhelming, especially if it’s your first time. That’s why we are here to help make your home buying dreams a reality!

Whether you’re looking to purchase your first home, refinance your existing mortgage loan, or you want to tap into the equity you have already built up in your home…we have all the tools to help you with your decision! At Family First Credit Union, we offer special mortgage programs for all your unique needs.

With a wide variety of products, we can meet the needs of any homebuyer. Most of our mortgages are handled locally — from application through closing- right here in Penfield NY. We also provide service to the homeowner throughout the life of the loan.

What Makes Our Mortgages Unique?

Local, local, local

Does being local matter? You bet! Our staff provides personalized service from processing through closing, and the use of local appraisers and attorneys, we are committed to our local roots. This all means YOU deal locally with people in your community – with people that care. 

Competitively low rates available for purchase or refinancing

At Family First CU you have access to a wide array of loan options, including closing costs assistance at competitively low interest rates. We know what matters most to our community, and that is having low mortgage rates. We are proud to offer some of the lowest rates in the area for our customers.


Mortgages are not a one size fits all kind of thing. Whether you qualify for a USDA loan or want the assistance that a down-payment assistance loan can give you on a SONYMA loan, Family First provides options!

Free Pre-approval to increase buying power

With a no cost, pre-approval at Family First CU, you can have the peace of mind that everything has been reviewed. This puts you in the best possible position to negotiate the home of your dreams with the knowledge that you are well on your way in the mortgage process.

Are you thinking about buying your first home or refinancing your current mortgage? Let our friendly, professional staff provide you with local decision-making and servicing of your mortgage. We’ll provide a customized mortgage loan that works for you.

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