• Leave the Heavy Lifting to Us

    A home is more than just the walls around you. It’s where old memories are cherished and new memories are made. Whether you’re buying or refinancing, we can help you get what you need with ease.

    Call a First Niagara Mortgage Consultant today at 1-888-606-6754

  • We just got married. Time for a house!

    Both the kitchen and bathroom need updating.

    She’s outgrown her crib. We’ve outgrown our home.

    I'm hoping to buy a home for the first time. I need help with the down payment.

    The plans are in motion. I’m building my own house.

    It’s a buyer’s market, but I need a little help.

  • Home Loans

    Home Buying Loans

    • Conventional Fixed Rate and Biweekly
    • Adjustable Rate
    • Jumbo Loans
    • Combined Construction/Home Loans
    Enter your ZIP code to get rates.
  • Refinancing

    Refinancing Loans

    • May be able to lower your monthly payments
    • Help build equity faster
    • Shorter loan term options
    • Borrow up to 95% of your home's value
    Enter your ZIP code to get rates.
  • Government

    Government Programs

    • FHA (Federal Housing Administration)
    • USDA (United States Department of Agriculture)
    • SONYMA (State of New York Mortgage Agency)
    • PHFA (Pennsylvania Housing Finance Agency)
    • CHFA (Connecticut Housing Finance Authority)
    • MHFA (Massachusetts Housing Finance Agency)
    • HARP (Home Affordable Refinance Program)

This is not a commitment to lend. All loans are subject to credit approval and collateral evaluation. Restrictions apply.


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