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. 

Genesee Co-op partners with two credit union owned organizations, OwnersChoice, and Credit Union Mortgage Association (CUMA), to offer a full range of mortgages to our members on 1-4 family properties and second homes. Please contact us to find out which option is right for you. Please do not apply on both sites. 

Find rate quotes, calculators and more from CUMA below. Please call us at 585-461-2230 before applying.

Credit Union Mortgage Association's Genesee Co-op FCU Site

 

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: 

 

Mortgages

Our Members make the difference.

Member Since 2004

"What has the CU done for and meant to me? How about warmth and security? When I joined I felt, and still feel, that the diversity of the neighborhood is well represented both by the CU's members and its employees. As welcoming as the staff is, I had no problem following when the building on Gregory St became its new home. The loyalty I felt to Genesee Co-op FCU at that time has been validated by an incident in May 2009. One of my checks was presented to the teller, unsigned, for a large amount. When that individual came back with same check supposedly signed by me, the CU refused to cash it, because the staff recognized the signature as forged. I got to see how the sense of kinship the CU propagates, plays out in order to safeguard its members. Thank you, team."

Merrie Camp

LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510.