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 2006
"My parents have been members of the credit union for more than 30 years and I became a member by default - a kind of family tradition. My parents opened an account for me and I learned how to fill out the slips to take out and put in money. Two of my siblings also have accounts there. I'm working now and feel a sense of pride when I think about being part of the credit union. They're not just people there, they're friends. They all know my name and it's a really friendly place."