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.
Genesee Co-op partners with two credit union owned organizations, OwnersChoice, and Credit Union Mortgage Association (CUMA), to offer a full range of mortgages to our members on 1-4 family properties and second homes. Please contact us to find out which option is right for you. Please do not apply on both sites.
Find rate quotes, calculators and more from CUMA below. Please call us at 585-461-2230 before applying.
Credit Union Mortgage Association's Genesee Co-op FCU Site
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:
- City of Rochester's Financial Empowerment Centers
- Consumer Credit Counseling Service of Rochester
- NeighborWorks Rochester
- Urban League of Rochester's Home Store
- The Housing Council at Pathstone
Our Members make the difference.
Member Since 2001
"The credit union has helped me straighten out my credit so I could own a home. They helped me every step of the way to homeownership right down to recommending and suggesting various avenues to save money and providing me with my first mortgage. They have always been there to make recommendations when I needed financial advice. I'm a member for life because they've made such a difference in my life."