Skip to main content

Upgrade for a Better Experience

Canandaigua National Bank & Trust would like to encourage all of our customers to update their internet browsers as new releases are made available. Using the most recent browser version ensures the best security, design experience, speed and functionality.

Continue to

If you have any comments or concerns, please contact our Customer Call Center at 585.394.4260 ext. 0.

You > Loans > Mortgages > Affordable Home Mortgages

First Home Club (SM)

CNB Mortgage Company has a variety of affordable first-time home buyer mortgage solutions designed to make your dream of owning a home within your reach.

CNB Mortgage Company Solutions:
  • First-time home buyer
  • Low down payment / $0 down payment
  • Closing cost assistance
  • Grant opportunities
  • First Home ClubSM - earn up to $7,500 towards your down payment

It's fast, easy and secure.

If you would like additional information, please use the contact us form or if you would like to speak with a Mortgage Professional, please call 585.385.2370.


First Home ClubSM Facts

The First Home ClubSM is a program financed by the Federal Home Loan Bank of New York (FHLBNY) to assist individuals and families in earning a grant up to $7,500 toward down payment and closing costs associated with a first home purchase. Assistance may be granted to participants who successfully establish a dedicated savings account at any participating bank and make regular deposits into the account during a 10 to 24-month period.

How does it work?

How do I qualify?

How do I sign up?

What are the details?

What if I sign up and do not complete the savings plan?

Contact Information

* Guidelines for surrounding counties may vary.

1NeighborWorks of Rochester (585) 325-4170

2The Housing Council (585) 546-3700

3CNB Mortgage Company: Pittsford (585) 385-2370 Canandaigua (585) 394-9100

Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408

CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust.