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We are aware of fraudulent text messages notifying Family First members that there has been “a new email address added to your account from an unrecognized IP address”. If you receive a text like this, do not respond. If you respond, you will receive a call from a fraudster posing as a Family First employee. Do not give them any information. If you have received this communication, please contact us at 585.586.8225.

All Family First Branches and the Call Center will be closed on Monday, February 16 for Presidents Day. 

Beginning at 5:00 p.m. on Friday, February 13, Family First’s mortgage lending software will begin migrating to a new system. This is an internal upgrade and will not affect your mortgage or your payment schedule.

During the migration, any mortgage payments you make will be received and processed as usual. However, payments may not immediately appear in Online Banking or the Mobile App. The upgrade is expected to be completed by Tuesday, February 17, at which time all recent payments will be visible.

Fixed Rate Mortgages

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 never increase.  Whether it’s to purchase a home or refinance an existing loan, your best home lending options are here.

  • Fixed terms of 5 to 30 years.
  • Down payment requirements of 5% or more.
  • Refinancing available, including cash out, so you can access your home’s equity for remodeling projects, debt consolidation and life’s other expenses.
  • First-time homebuyer programs offering additional flexibility and grant options for down-payment and closing costs assistance are available.
  • Available for owner-occupied homes including condominiums and townhomes located in New York.
  • Financing also available for vacation homes and investment properties.

Some Fixed Rate Mortgages require Mortgage Insurance Premiums.  Here at Family First FCU, we offer several options including a “Piggyback Loan”.  Let us explain and find the best options that can explain benefits and draw backs from a loan with PMI.

  • Setting up your payment to automatically be taken from your Savings or Checking account here at Family First FCU
  • Pay your own Real Estate Taxes or Home Owners Insurance?  No problem, or skip the chore and let us take care of that too!
  • It’s an easy and an inexpensive way to be free from your mortgage in 5 Years.

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