First Niagara | Personal Banking | Mortgages

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» Have Questions?

Call us at 1-800-421-0004
TTY 1-716-625-7583
Mon-Fri 7am-8pm
Sat-Sun 9am-4pm
Send us an e-mail

» Payment Difficulties?

If you are having difficulty making your payments, call 1-800-421-0004 and ask for our Home Retention Specialist.
Or, for confidential assistance contact the Consumer Credit Counseling Service of Buffalo, Inc. at 1-800-926-9685 or by visiting their website.

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» Security Awareness

First Niagara will never request a customer's personal information through e-mail or provide links within an e-mail to update their information.Learn how to better protect yourself from:

Remember to check your credit report at least once a year.

Construction Financing

We can help you build your dream home with one easy loan.

One Closing	Maximum Loan-to-Value	Builder Approval
Provides you with both your construction financing and permanent mortgage Saves you time and money Provides rate security during the construction phase.	Borrow up to 95% of the combined value of land and building costs.	First Niagara Bank offers quick builder approval at no cost.
Draw Schedule - up to 5 Draws	Rate Lock	Interest Only Payments During the Construction Phase
Flexible draw schedules are available based on the percentage of work completed. First draw can pay for a portion of a land acquisition.	Extended Rate Locks available. Call 1-800-421-0004 for details.	At the same rate of interest as the permanent mortgage Billed monthly on advanced funds Regular principal and interest payments commence upon completion of interest-only payments

For more information, contact a Mortgage Consultant in your area by calling 1-800-421-0004.