Home Lending Solutions
Make your dream a reality
Buying a home is a big step, so let us help you make it happen with great loan rates and professionals to guide you.
- Choose from mortgage types tailored to your needs
- Refinance your mortgage and save
- Consult with our responsive team
- Consider options to lower your up-front costs
- Regional appraisal, underwriting, and servicing
What Would You Like to Do?
Purchase a Home
Get the support you need for this major purchase by keeping your mortgage team close to home. While you're house hunting, we'll handle the details.
Low Rate Mortgage Options1
Unique Solutions Built for You
Community Heroes (up to $1,000 value)2
Local Experts, Personal Service
Refinance and Save
You may be able to lower your monthly mortgage payment, pay off your loan earlier or maybe even both.
The Right Solution, Built for You
Simple Application Process
Cash-out Options
Home Equity Line of Credit
Seeking a way to remodel, cover college tuition, pay off high-interest debt, or another big expense? Explore how to refinance or tap your home's equity.
Competitive Fixed and Variable Rates
90% Loan-to-Value Options
ZERO Closing Costs3
No Appraisal Fee
Advice for First Time Home Buyers
We understand how daunting it can be to buy your first home. Especially when you’re moving, starting a new job, or dealing with student loan debt. We’re here for you to ease the stress. Take a look at these guidelines to help make decisions with confidence.
Meet Your Team
Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.
- See bios of team members
- Choose a Mortgage Loan Officer
- Referred? Connect with the Loan Officer.
- Reach out for a loan or guidance
Bank Well, Live Better
Make the most of every Broadview benefit to simplify your finances and bank your way.
Want To Save On Insurance?
Give one of our licensed experts a call at (888) 250-6689 to discuss your needs, or request an online quote.
Cash for Any Purpose
Our low-rate personal loan can help you cover unexpected expenses, update your home, pay off high interest debt – and more!
Know Your Credit Score
Maintaining a good credit score can help you buy a home, pay for school or even open your own business.
-
APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall creditworthiness. Representative payment for a 30 year fixed mortgage at 5.875% with a 6.022% APR is $6.01 per $1,000 borrowed. Representative payment for 7/6 ARM at 5.375% with a 6.882% APR is $6.57 per $1,000 borrowed for the first 7 years then subject to increase. Rates are accurate as of and are subject to change without notice. Quoted rates may include the requirement of credit union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Rates are based on a purchase or no cash out refinance, cash out options may affect your rate. If an escrow account is required or requested, that payment does not include insurance and taxes and the payment may be greater. Ask about other rates and terms.
-
Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive:
-
- Mortgage is restricted to the primary residence (purchase only) located in New York State.
- Must be credit qualified and establish credit union membership prior to loan disbursal. A Broadview FCU checking account with payroll direct deposit and automatic mortgage payments through ACH is required.
- The $500 deposit will be made to the program participant’s Broadview FCU checking account within 30 days of the closing, upon verification of all eligibility requirements.
- Personal real estate attorney fee waiver is a $500 credit, not redeemable as cash. Not available in all areas.
- You are not required to use the program service provider(s) as a condition of the purchase of the subject property. You may use an alternative provider offering a similar service, however related discounts and other savings will not be available to you. Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.
-
-
All loans are subject to creditworthiness. Title insurance may be required and is paid by the borrower. Closing costs paid by Broadview, on behalf of the borrower, will be paid on loan amounts up to and including $250,000 and will be added to the payoff amount of the loan if the home equity is paid and closed within three years of loan closing. The most common amounts for closing costs are estimated between $0 and $6,500 but depending on location and other factors it could be higher or lower. For loan amounts greater than $250,000, or total combined Broadview home equity loans exceeding $250,000, all closing costs will be paid by the borrowers at the time of closing. The product is available for members whose owner-occupied primary residence is in New York State or Pennsylvania counties of Susquehanna, Bradford, or Wyoming.
-
Broadview FCU and its subsidiary Homeowners Advantage can facilitate but are not directly associated with Veterans Affairs (VA) or the US Dept. of Housing and Urban Development (HUD).
-
Mortgage products in New York State only and offered by Homeowners Advantage (HOA), a subsidiary of Broadview FCU. Licensed Mortgage Bankers – NYS Dept. of Financial Services. HOA NMLS Identifier: 309847. HOA address: 4 Winners Circle Suite 202, Albany NY 12205. Broadview FCU NMLS Identifier: 458314
