Empower Your Future! Mortgages for First-Time Home Buyers
Ready to purchase your first home? Buying a home is likely to be one of the most expensive purchases you’ll ever make, but you’re making a major investment in your future. Empower has competitive rate mortgages with low and no down payment options for those who qualify. Contact an Empower Mortgage Consultant to find the right mortgage product for you. We offer a wide variety of products to meet all of your home ownership needs.

As a first-time home buyer, you’ll benefit from:
  • Loans with low to no down payment options for members who qualify
  • Fixed & Adjustable Mortgage Rates
  • Flexible Terms
  • No Origination Fee
  • Local decision-making, processing, underwriting, and servicing
  • Grant funds may be available for closing cost and downpayment assistance through our Homebuyer Dream Program.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Lending made personal
Affordable loans help you embrace life's opportunities and take on its challenges.
NMLS: 412348
Membership eligibility required. Loan approval based on creditworthiness. All loans subject to approval. Rates, terms, and conditions subject to change.