At Lusitania Savings Bank, we can help turn your dream of home ownership into realty. Being a first-time homeowner is exciting but it can also be overwhelming. Our friendly lending team will gladly walk you through the entire experience. We have available first-time homebuyer programs that combine a low down payment requirement with closing costs assistance or initial interest payment credit.

NEW HOME GRANT AVAILABLE - Limited time offer up to $20,000.00

2024 Homebuyer Dream Program® Plus is now open. Lusitania Savings Bank made this program available through the Federal Home Loan of New York and eligible borrowers may receive up to $20,000.00 (per household) in grant dollars to be used for down payment and closing cost assistance including $500.00 to help defray homeownership counseling costs.


During these times of economic hardship, Lusitania Savings Bank is embracing its role as a true community bank. The D.R.E.A.M. (Delivering Residential Empowerment through Affordable Mortgages) will make the dream of home ownership in our local underserved community more attainable by significantly reduce housing purchase and down payment expenses for borrowers.


For first time homebuyers the path to homeownership can be smoother with Lusitania Savings Bank. Start your journey the smart way with our best credit solutions and the right combination of flexibility and affordability.