Family First
Family First

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. 

All Family First branches and the call center will be closed on Monday, September 4 for Labor Day. Have a safe and enjoyable holiday!

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 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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