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, February 17 for Presidents Day. Have a safe and enjoyable holiday!

Family First’s Home Banking and Mobile App will be intermittently unavailable on Sunday, February 9 from 1:30 am to 5:30 am for routine maintenance. We apologize for any inconvenience this may cause. 

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 best choices for you.  There are many resources available for exploring this option.  A great place to start is right here: US Department of Veterans Affairs – Home Loans.

  • Eligibility requires 90 days of active duty days during wartime, or 181 or more continuous days during peacetime. The VA also provides further details about your eligibility.
  • Available in 15 or 30 year fixed terms for both new purchases and refinances.
  • Available for owner-occupied properties including some condominiums and townhomes located in New York.
  • Purchase with zero money down and no monthly mortgage insurance requirement.
  • Looking to apply for your VA Certificate of Eligibility?  You can start the process by locating your DD-214 and then contact our Mortgage Team.
  • Family First does not currently service VA loans in which it arranges for.

VA loans often require an upfront VA Funding Fee but no monthly fee.  The amount of the VA Funding Fee premium may be financed into your new loan amount.  If you are uncertain if your Veteran status would allow a waiver of the Funding fee, you can call us.

Looking for More Articles?

You are now leaving https://home.familyfirstny.com/

By accessing this link you will be leaving the Family First Federal Credit Union’s website and entering a website hosted by another party. Family First Federal Credit Union is not responsible for its products, services, or overall website content. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Family First Federal Credit Union. If you choose to conduct business there, you will be conducting business with another party’s website.