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.

ATTENTION: Online & Mobile banking are currently unavailable. Our home banking vendor is aware of the issue and is working to resolve it. For immediate banking assistance, please call us at 585.586.8225.

All Family First branches and the Call Center will be closed on Thursday, June 19 for Juneteenth. We hope you have a safe and enjoyable holiday! 

Family First’s Home Banking and Mobile App are currently intermittently unavailable. Our vendor is aware of this 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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