Fraud Alert: We have received reports that our 585.586.8225 phone number is being spoofed with people claiming to be our Fraud Department and requesting personal information. Please do not give these people any personal information. Click here to read more.
The Henrietta branch will be undergoing renovations during the next couple weeks which may lead to some dust and debris in the branch. We apologize for any inconvenience this may cause.
Fixed Rate Mortgages Are you looking for the security of a fixed interest rate and monthly payment? Make your budgeting easier with a traditional fixed-rate mortgage. Because your rate is locked in for the entire term of your loan, you can have peace of mind knowing your principal & interest portion of your payment will …
Mortgage Free in Five Years This exclusive mortgage program is offered only at Family First. Our limited closing cost 5 year mortgage provides home owners the opportunity to lower your term without the high cost of a traditional mortgage refinance. Best of all, this program carries the lowest fixed rate we offer. Owning your home …
Piggyback Mortgages Piggyback Mortgages, commonly called “Combo” or “80-10-10 mortgages” are transactions where a second mortgage or home equity loan is taken out simultaneously to a first mortgage. Typically, real estate transactions include just one mortgage, but a piggyback mortgage includes two. Piggyback mortgages are often compatible with a new purchase or an existing refinance …
FHA Mortgages With an FHA loan, the minimum down payment is a low 3.5% of the purchase price, making this an affordable option for those wanting to purchase or refinance a home with little cash down. These loans are insured by the Federal Housing Authority through the Department of Housing & Urban Development (HUD) and …
Veterans Affairs Home Loans VA loans are guaranteed by the Department of Veterans Affairs and are available to military veterans and active duty military (or their surviving spouse). VA loans can help eligible veterans to purchase or refinance a home with zero down payment! Additional flexibilities within this product can make it one of the …
U.S. Department of Agriculture Loans Living in a rural or agricultural area? You may be eligible for a United States Department of Agriculture (USDA) loan. The USDA maintains a list of areas in which financing may be eligible and the amount of income earned is a factor. Contact the Mortgage Team with the address of …
Adjustable Rate Mortgages Adjustable-Rate Mortgages (ARMs) are great for our Members who are not looking to stay in a property long or anticipate significant growth in income! The way an ARM works is you have a set, low fixed rate for a certain period of time, like 3, 5 or 7 years, then for the …
Vacation Homes & Investment Property Mortgages Family First FCU recognizes that Vacation and Investment property financing can present challenges but we have solutions. Please contact the Mortgage Team to review your needs. Each transaction and its accompanying financing package are individually designed to find solutions for you to consider.
Manufactured / Mobile Home Mortgages Our Members spoke and we listened. Manufactured housing can offer some challenges in financing. Family First designed the program around the Member buying or refinancing their Manufactured home. Are you looking for a long term, fixed rate mortgage for your manufactured home? Manufactured Home Loans at Family First offer flexibilities …
It has come to our attention that the Family First phone number – 585.586.8225 – has recently been spoofed by those attempting to steal personal and financial information from our members. These fraudsters pretend to be employees of our internal fraud department and are requesting personal member information, such as social security numbers, bank account …
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Our Routing Number is 222382593
Our NMLS Number is 453880
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