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Home Buyer Dream Program

Home Buyer Dream Program

Let us help make your dreams come true!


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As an approved member of the Federal Home Loan Bank's Home Buyer Dream Program, we can help you have the money to put towards buying your own home.

Key Features:

  • 1-4 unit properties, condos, planned unit developments, and manufactured doublewide homes
  • Minimum down payment of 3%
  • 10 to 30 year fixed-rate mortgages
  • Income restrictions apply
  • Available only in New York State

If you meet the income guidelines, this program provides down payment and closing cost assistance up to $14,500 per household. Participants must complete homeownership counseling. This program can increase your buying power and keep that dream home well within your reach.

We also work closely with Catholic Charities of the Southern Tier and various other agencies in the communities that we serve who offer first-time homebuyer grant programs.

For more information please call us at (607) 737-3815 or toll-free at (800) 836-3711 extension 3815 and ask to speak to a Mortgage Specialist.

**Please note the grant funds are subject to availability**

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. Primary residences only. Existing homes only (no construction).