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March 16, 2021
Introducing the Affordable Housing Program for First-Time Homebuyers
Buying your first home is an important milestone in your life. We understand that finding the right financing plan can be as important as finding the right home, and we’re excited to participate in the Affordable Housing Program for first-time homebuyers in partnership with the Federal Home Loan Bank of Atlanta (FHLBank).
The First-Time Home Buyer Assistance Program is designed to help eligible first-time homebuyers overcome the initial burden of upfront costs related to purchasing a home. You could receive up to $7,500 in grant funding to help with the down payment, closing costs, counseling or rehabilitation assistance in connection with the purchase of an existing home.*
To be eligible for this program, you’ll need to:
- Have household income that is equal or less than 80 percent of median income as defined by the U.S. Department of Housing and Urban Development, adjusted for family size.
- Contribute at least $1,000 toward the purchase of the home.
- Occupy the home as a primary residence for at least five years.
- Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta.
Eligible properties include one-to-four-unit family residences, townhouses, condominiums, cooperatives and manufactured homes deeded as real estate.
Ready to get started?
We’d love to discuss the Affordable Housing Program with you. Our team of local Real Estate Loan Officers can help determine if you are eligible for the First-Time Home Buyer Assistance Program funding and help you as you begin the application process.
*Subject to program eligibility.
Grow Financial mortgage loans are valid for the purchase or refinance of owner-occupied residential properties in the states of Florida, South Carolina, North Carolina, Georgia and Tennessee including single-family detached, condominiums and townhomes. Not valid for the purchase of investment properties. Grow Financial mortgage loan rates are updated daily and available at growfinancial.org.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733
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