Family First
Family First
Family First
Family First

We have been made aware that a network issue is causing Family First debit cards to reject at Tops Markets and Walmart.  Our vendor is working to correct this issue. We apologize for any inconvenience this may cause.

All Family First branches and the Call Center will be closed on Monday, July 5 in observance of Independence Day.


Rochester’s Mortgage Center

Whether you are looking to purchase your first home, refinance your existing mortgage loan, or you just want to tap into the equity you have already built up in your home…we have all the tools to help you!

Making Your Home Buying Dreams a Reality

At Family First Federal Credit Union, we offer special mortgage programs for unique needs. With a wide variety of products, we can meet the needs of home buyers. Most of our mortgages are handled locally — from application through closing and servicing — right here in Penfield NY.

pennfield branch exterior sign

What Makes Our Mortgages Unique?

Local, local, local – Does being local matter? You bet! With personalized service from our staff to processing, closing, and the use of local appraisers & attorney’s, we are committed to our local roots. This all means YOU deal locally with people in your community – with people that care.

Competitively low rates available for purchase or refinancing – At Family First CU you have access to a wide array of loan options, including closing costs assistance at competitively low interest rates.

Options – Whether you qualify for a USDA loan or want the assistance that a down-payment assistance loan can give you on a SONYMA loan, Family First provides options!

Free Pre-approval to increase buying power – With a no cost, pre-approval at Family First CU, you can have the peace of mind that everything has been reviewed. This puts you in the best possible position to negotiate the home of your dreams with the knowledge that you are well on your way in the mortgage process.

Meet the Mortgage Team

Are you thinking about buying your first home or refinancing your current mortgage? Let our friendly, professional staff provide you with local decision-making and servicing of your mortgage. We’ll provide a customized mortgage loan that works for you.

Julie Vella

NMLS ID#:65903

p. 585.586.8225 x119

f. 585.586.0915

Lisa Gautieri

NMLS ID#:463687

p. 585.866.1101

c. 585.409.9671

Tom Confer

NMLS ID#:407611

p. 585.287.9336

c. 585.489.9080

f. 585.586.0915

Make Your Dreams Come True

Convenience at your fingertips

Stop in and see what the Family First experience is all about!