ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

All Family First Branches and the Call Center will be closed on Monday, November 11 for Veterans Day. Have a safe and enjoyable holiday! 

Family First Home Banking and the Family First App are intermittently unavailable due to technical issues. Our vendor is aware and is working to remedy the situation. We apologize for any inconvenience this may cause. 

Month: June 2023

Piggyback Mortgages

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 …

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FHA Mortgages

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 …

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