First Mortgages for Purchase & Refinance
We can help you buy or refinance your home! We work closely with first-time home buyers to help them get mortgage-ready, and also work with members who are moving into a bigger house. We specialize in the City of Rochester but work with borrowers across the Rochester metropolitan area and central and western New York!
We specifically work to assist our lower-income members or those building their credit history to qualify for a mortgage. We can help with one-on-one budgeting sessions, credit counseling, accessing grants, and other resouces to help prepare you to buy a home.
The Genesee Co-op FCU Mortgage Center, in partnership with OwnersChoice offers members many useful tools for the home buying or refinance process including financial calculators to help you determine what you would qualify to borrow, how long it would take to recoup your closing costs on a refinance, etc.
There are also lots of great organizations in the Rochester area that can also help you. We suggest first-time homebuyers get in touch with with one of the LOCAL Home Buyer Education (Pre and Post-Purchase) and Home Purchase Resource Partners in the area:
- Marketview Heights Neighborhood Association You can access their 8-hour online course available here for Homebuyer Dream Program applicants.
- NeighborWorks Rochester
- Urban League of Rochester's Home Store
Our Members make the difference.
Member Since 1982
"I joined the credit union when they first opened on Monroe Avenue. I wanted to build an account with a financial institution. I saw that they were new and I was starting new - so I thought it would be a good start! They were nice and courteous people. After they moved to South Avenue I wanted to buy a new car and they helped me with that and I have taken out personal loans with them too. They're more personal, a bank doesn't know you from the next 500 people. I always recommend them to people. The credit union looks at the things happening in your life and works with you. They know that people don't fail because they are not working on their life. Sometimes things just happen. I would like to get my next mortgage through them. I love them, they just fit my needs."