First Time Home Buyers Program


Buying your first home is exciting! As a trusted community lender with knowledgeable Mortgage Originators, Elmira Savings Bank can help you explore your options and make the process easier for you. Whatever your needs, we offer a variety of mortgage solutions at competitive rates to help you purchase your first home. Below you'll find information to consider in your home-buying decision.

Program highlights include:

  • Up to 97% financing
  • Closing Cost Assistance  (all closing costs paid except for personal attorney fee, abstract fee, transfer tax, interest, property taxes, private mortgage insurance, survey, hazard insurance)
  • No maximum income limits
  • 1-2 Family Primary Residences (No Manufactured Homes, Condos or PUD's)
  • 10, 15, 20 and 30 Year Fixed Rate terms are available
  • No Up-Front Fees

HUD defines a first-time homebuyer as someone who has never owned a home before. An individual who has not owned a home for at least three (3) years is also considered a first-time homebuyer.

Ready to apply for Elmira Savings Bank's First Time Homebuyer Mortgage?  Start your secure online Mortgage Application now!


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Elmira Savings Bank is an approved Seller/Servicer of Freddie Mac, FHA/Department of Housing & Urban Development, VA, USDA, and SONYMA (NY Only). Elmira Savings Bank is an Equal Housing Lender committed to ensuring every applicant for credit receive fair and equal treatment throughout the credit application and approval process, as embodied in the Equal Credit Opportunity Act and the Fair Housing Act. All mortgage lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

External links and content are being provided for informational purposes only. Elmira Savings Bank has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.

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