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Making Moves

Home > Borrow > Home Loans > Making Moves
Home > Borrow > Home Loans > Making Moves

UPDATE: We've been informed by FHLB that funds for this program are no longer available for 2024. Please schedule a consultation with one of our NGFCU Home Loan Concierge representatives for other options.


If you’re a first-time homebuyer or haven’t owned a home in the last three years, you may be eligible for a grant from the Federal Home Loans Bank (FHLB) of San Francisco of up to $50,000 that can be used towards the down payment and closing costs.

Request Eligibility Consultation

Make your move to home ownership by contacting NGFCU’s Home Loan Concierge team. They’ll review eligibility requirements and help you find the right financing solution.


Loan approval, rates, and terms are based on creditworthiness. NGFCU NMLS #774623

The Middle Income Down Payment Assistance Program is a First-Time Homebuyer Program that offers a one-time 5:1 match of the borrower's contribution towards downpayment and closing costs. Example: A borrower must contribute $10,000 to qualify for a $50,000 grant. Maximum grant in 2024 is $50,000. Borrower contribution can come from household savings and/or gift funds. Other grants and/or credit/concessions from a party of the transaction are not considered homebuyer contribution. Must be first-time homebuyer according to FHLB definition and restricted to households with earnings between 80.01% up to 140% of Area Median Income, based on the location of the property to be purchased and adjusted for household size. For help estimating median income, please click here. Eligibility: Participant must occupy property as a primary residence and complete a homebuyer counseling program provided by an experienced organization.

Important Numbers

Member Services: 800.633.2848 (available 24/7)

Credit & Debit Card Member Services: 800.633.2848 ext 4856 (available 24/7)

Credit Card Lost or Stolen: 866.839.3485
For International Calls: 727.570.4881

Debit Card Lost or Stolen: 800.754.4128
For International Calls: 727.227.9012

Credit Card Activation: 800.456.6870

Debit Card Activation: 855.485.7043

Members traveling or who reside outside of the US: 727.227.2447

Routing #322276088