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Mortgage Products and Services

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Mortgage Online Application

Family First has a variety of home loan products to fit every need and every budget. Below is a list of these products with brief descriptions.  For more information, please contact the Mortgage Department at 585.586.8225. We can make your dreams of homeownership come true.

First Home Club

The First Home Club is a fantastic opportunity to receive a grant of up to $7,500 from Family First. You can use these funds towards the down payment and closing on your new home. Some restrictions may apply. Click here for additional details.


80-10-10 Mortgage Our creative 80-10-10 mortgage option will put you in your new home and eliminate PMI. By putting 10% down, 10% into a home equity loan and 80% into a mortgage, you'll be able to avoid paying mortgage insurance We also have lender paid mortgage insurance options available. Consult us for specific details.


First Time Home Buyer

Our First Time Home Buyer plans are flexible and easy. We offer 0%, 3% and 5% down payment options that are sure to fit your budget. Don’t have a lot of money to work with? You may be eligible for our lender paid closing cost program or you may qualify for a First Time Home Buyer grant through one of several not-for-profit organizations we partner with.  Combine these terrific programs with our low rates and the time to buy has never been better.


FHA Financing - NEW

Family First  now offers FHA loan financing.  Some of the advantages of the FHA program include a lower down payment, lower interest rates, and more flexibility with down payments, debt ratios and seller concessions. Family First is one of the ONLY credit unions in the area that offers this option.


Conventional Financing

Whether it’s to purchase a new home or refinance your current house, your best home lending options are here. With fixed or adjustable rates and terms ranging from 5-40 years you’re sure to build the perfect loan with us.


Five Year Mortgage

An exclusive program offered only at Family First, our limited closing cost 5 year mortgage provides home owners the opportunity to lower your term without the high cost of a traditional mortgage refinance. Best of all, this program carries the lowest fixed rate we offer. 


Bridge Financing

At Family First we understand the world is not a perfect place. So for the buyer who needs to close their purchase before their sale, we’ve got you covered. Our bridge loan allows you to take the equity in your existing home and use it toward the purchase of your new home. A purchase and sales contract on your existing property is required.


Land Loans

Want to build your home on that perfect lot? Land loans allow you to purchase vacant land for future building.  The property being purchased must be an approved building lot. 


Mobile Home Loans

Family First offers new and used mobile home loans with terms up to 180 months.  A 10% (new) or 20% (used) down payment is required.