First Time Home Buyers | Pittsford Federal Credit Union

Real Estate Loans

First Time Home Buyer Program

Pittsford FCU is proud to offer a unique first time home buyer program. This program is available to qualified borrowers who have not owned a home in the last three years.

First Time Home Buyer Program Highlights

  • 0% Down Payment
  • No Private Mortgage Insurance (PMI)
  • $1,500 Credit toward Closing Costs
  • No income limitations or waiting period
  • Qualified borrows can select from our 5/5 or 5/1 Adjustable Rate Mortgage Products

Learn More Rates

Ready to apply?

Use our online mortgage application to Apply Now.

Contact the mortgage department or call us at 585-381-3885 to schedule an appointment.

You may review the checklist of items to bring to your mortgage appointment, or estimate your closing costs using our rate and closing cost calculator.

If you don't see a product that fits your specific situation please let us know. Occasionally, circumstances require unique approaches and we will attempt to meet your needs.

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