First-Time Homebuyers Grant Program

Let us help make your dreams come true with our First Home Club Program.

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As an approved member of the Federal Home Loan Bank’s First Home Club, we can help you save money to put toward buying your own home. If you meet the income guidelines, this program will match $4 for every $1 you save toward your down payment, up to a maximum match of $7,500. Your commitment to savings must be established for a minimum of 10 months, but not to exceed 30 months. Participants must complete a minimum of six hours of homebuyer counseling seminars within a six-month period. This program can increase your buying power and keep that dream home well within your reach.

We also work closely with Catholic Charities of the Southern Tier and various other agencies in the communities that we serve that offer first-time homebuyer grant programs.

For more information please call us at (518) 435-8980 and ask to speak to a Mortgage Specialist.

*A first-time homebuyer is defined as an individual or family who has not owned a home during the three year period prior to purchase. Exceptions to the three-year period exist for any individual who is a displaced homemaker or a single parent or any individual that owns or owned as a principal residence during such three-year period, a dwelling unit whose structure is not permanently affixed to a permanent foundation in accordance with local or applicable regulations.