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1st Time Homebuyer Program

Homeownership is within reach.
We’ll give you $7,500 to start out!

Northern is an approved member of the Federal Home Loan Bank of New York, which allows us to:

  • Assist income eligible first time home buyers 
  • Give grants up to $7,500 to be used towards down payment and/or closing costs 
  • Help you save for your down payment over 10-24 months in a dedicated savings account
  • Provide a great way to strengthen good credit practices
  • Encourage enrollment in a homeownership counseling program
  • See the First Time Home Buyer Guidelines for this program

Get started by calling the Home Lending Team at 315.777.8900 or by filling out our Contact Us Form.



*$100 will be deposited into a Northern Credit Union deposit account at the time the mortgage loan is funded.