• FAQs

    Select a topic below to view frequently asked questions.
  • Mortgage

    How do I report an error or request information about my mortgage loan?

    Send a written error resolution or information request to:

    First Niagara Bank, N.A.
    Attn: Customer Relations
    PO Box 1390
    Buffalo, NY 14240-1390

    For other inquiries, please call 1-800-421-0004. This number is toll-free and is available during the
    following hours:

    Monday through Friday 6 a.m. - 9 p.m. ET
    Saturday and Sunday 8 a.m. - 6 p.m. ET

    To find out more about the information you’ll need to provide when reporting a mortgage error, or requesting information, please visit our Mortgage Error Resolution page.

    What are my mortgage payment assistance options?

    If you are unable to make your mortgage payments, there may be alternatives available that could help prevent collection activity. To find out more about the process, please visit our Mortgage Payment Assistance page or call us at 1-855-739-2168 (Mon.- Fri. 8 a.m. - 5 p.m. ET).

    Can I get a mortgage without perfect credit?

    Yes. We take a number of factors into consideration, including your current income and willingness to pay, in addition to your credit history.

    How much do I need for a down payment?

    There is no required amount, but if your down payment is less than 20 percent, you may need to purchase private mortgage insurance.

    What documents do I need for my mortgage application?

    We need to verify your employment, income and assets, so you will usually need to submit:

    • Your Social Security number
    • Pay stubs for the past 2–3 months
    • Federal tax returns for the past 2–3 years, including W-2 forms
    • A complete list of current debt, including credit cards, car loans, and student loans
    • A signed contract of sale if you have chosen the home you want to buy

    How do I know when I should refinance?

    People typically refinance when mortgage interest rates have gone down or the market value for their home has grown substantially.

    What are the closing costs for a refinanced mortgage?

    They can vary based on a number of different factors, but generally speaking, they are significantly less than the fees surrounding an original mortgage.

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