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. 

 

Click Here to visit our Mortgage Center for Rates & To Apply

 

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. 

 

Click Here to visit the Genesee Co-op FCU Mortgage Center

 

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: 

 


Our Members make the difference.

Member Since 1982

"I've been a member since the Credit Union was just Dave Knoll with a cardtable in the hallway of the old Genesee Coop on Saturday mornings. I've never been tempted to go anywhere else since that time, even though I now live thirty miles away. I like dealing with nice staff who know my name, who are eager to help, and who are dedicated to financial literacy and empowerment. Plus, it's good to know that my money is being used to invest in people rather than fill the pockets of the wealthiest.

In addition to savings and checking I've turned to the credit union for debit cards, line-of-credit, auto financing, on-line banking, and a home mortgage. I've now financed at least four cars through the credit union, and I've successfully encouraged friends to do the same.

One of my boldest statements ever in the face of raw financial power was when the car dealer required me to sit through a presentation on their financing. My response: "I'm a loyal credit union member, and I'll stick with it even if you offer me zero percent. If I ever get in trouble, the Credit Union will help me work it out, but you guys'll just send the collection agent after me." The guy just gulped and that was that.

Yee-hah!

And I don't want to forget to mention that as a Credit Union member I get to vote. Real democracy - awesome!

Genesee Co-op Federal Credit Union - it's the best deal in town!"

James Renfrew


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