HomeAssist

HomeAssist is sponsored by Genesee Regional Bank (GRB) (through FHLBNY). HomeAssist is a grant program offered by GRB through the Federal Home Loan Bank of New York (FHLBNY) that provides down payment and closing cost assistance to improve affordability for low- to moderate-income homebuyers.

Professional Practice Banking Specialized Banking Services Commercial Real Estate Financing Solutions Smart Start Youth Bank Accounts Relationship Banking Team Mortgage Update With Mike & Joe The HomeAssist program provides $12,000 in grants for New York state homebuyers to help them enhance affordability. Making Homeownership More Affordable Buying a home comes with a lot of moving parts—especially when it comes to affordability.

That’s why GRB is proud to offer the HomeAssist® grant program, * which provides $12,000 in grant assistance for income-qualified homebuyers to help with down payment and closing costs. The cost of financing a home has risen significantly; primarily driven by higher interest rates, increasing home prices, and low housing inventory.

With the new HomeAssist Program, GRB can provide funding to support down payments and closing costs for low- to moderate-income borrowers . HomeAssist funding helps reduce monthly principal and interest payments— improving overall home affordability . GRB is one of a limited number of lenders in Central and Western New York able to offer HomeAssist.

But funds are limited . We encourage interested homebuyers to reach out as soon as possible to begin the qualification process.

HomeAssist helps reduce upfront homebuying costs and offers buyers a number of benefits: ** $12,000 in grant funds for eligible borrowers First time homebuyer status is NOT required Funds can be used toward down payment and/or closing costs Available for owner occupied, single family primary residences No repayment required, as long as program guidelines are met Available to income qualified buyers (up to 80% of Area Median Income) May be combined with other eligible assistance programs Explore More Lending Options With GRB offers an extensive portfolio of lending options for buyers throughout Central & Western NY.

From traditional lending options to specialty programs, and local grants and discounts, GRB is proud to be able to offer buyers with options that not only meet their financing needs, but help make homeownership more affordable. Look through our highlighted programs below, or search through our full Mortgage Programs page: Welcome Home Rewards Program Earn additional benefits when you open a GRB checking account!

RateRelief+ Temporary Buydown Buy with confidence at a lower monthly payment, then refinance with ease! Check out our Mortgage Program page with an easy-to-use sort option! Click the button below to fill out our ‘Contact Us’ form, and a GRB Mortgage Originator will be in touch to answer your questions!

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Please do not include any non-public personal or sensitive information (such as SSN, account numbers, or income), as email messages may not be secure and/or confidential. Users must be of legal age to enter into a contract to begin the mortgage application process. We're glad you're here!

How did you find us? (Check all that apply) Print, radio or billboard advertising We'd love it if you can tell us more about your personal referral to GRB: Professional (accountant, attorney, insurance, etc.) Organization (Neighborworks, etc.) Which Realtor are you working with? Cool, let us know who to thank!

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(Required) New home mortgage or refinance Customer service for closed mortgages Customer service for current HELOCs and accounts, online banking access, etc. If you are currently working with a Mortgage Originator from GRB or have worked with one in the past, please provide their name. Where are you planning to purchase a home? Thousand Islands/Adirondacks What mortgage options are you considering (check all that apply)?

First-time buyer programs, grants & discounts Employer programs (University of Rochester, RIT, Rochester Regional Health, RCSD, etc.) Investment and portfolio loans So we can answer your questions completely, please let us know how we can help you with your Commercial Banking needs (check all that apply): Business banking accounts Commercial real estate financing Professional practice banking (dental, veterinary, financial, legal, real estate, etc.) How can we help with your personal banking needs (check all that apply)?

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Please, DO NOT provide any non-public personal or sensitive information (such as SSN, account numbers, or income). * The MAP® HomeAssist program is offered by GRB through the Federal Home Loan Bank of New York. ** Program highlights shown are general guidelines and not a guarantee of eligibility or funding.

Qualification is determined by a GRB Mortgage Originator.