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First-Time Homebuyers

first time home buyer Auburn NY

First-Time Home Buyer Assistance

At Chemung Canal Trust Company, we understand that buying a home may be the biggest purchase you'll ever make. That's why we offer a variety of tools to help you find the home of your dreams, especially if you are a first time home buyer in Auburn, NY and surrounding areas throughout New York and Northern Pennsylvania.
  • No Closing Costs - If you have limited funds to bring to a closing, we will provide fixed rate financing options for up to 30-year terms.
     
  • SONYMA - The State of New York Mortgage Agency (SONYMA) offers mortgage programs to assist you with the purchase of a home in New York State

Try our Monthly Mortgage Calculator or check out our Rates page.

Being a first-time home buyer in Binghamton, NY and surrounding areas can be both exciting and nerve-wracking. While it may be fun to explore homes for sale, it might also become stressful when it comes time to consider how you will pay for the home you choose. That's where we come in. We take the stress out of the home buying process so that you can focus on finding the perfect house. We offer a wide range of services, tools, and online resources to help you throughout the mortgage process. Get in touch with us today to ask any questions or to apply.

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A first-time homebuyer is defined as an individual or family who has not owned a home during the three year period prior to purchase. Exceptions to the three-year period exist for any individual who is a displaced homemaker or a single parent or any individual that owns or owned as a principal residence during such three-year period, a dwelling unit whose structure is not permanently affixed to a permanent foundation in accordance with local or applicable regulations. Existing homes only (no construction mortgages).