Community Heroes
Professionals who serve the public are vital to a community’s health and well-being.
If you work in healthcare, the U.S. military, education, law enforcement, or fire and rescue – thank you for being a Community Hero.
To see how you can get up to $1,000 in cash/discounts toward your home purchase, scroll down.
Access Some of the Best Mortgage Rates Around
You're eligible for up to $1,000 in cash/discounts toward your home purchase if you work in these fields.
Healthcare
professionals, staff
Law Enforcement
police, corrections
U.S. Military
active-duty, veteran
Fire & Rescue
full-time, volunteer
Education
professionals, staff
Community Hero Benefits
The following benefits are available on every mortgage we offer:
- An affordable mortgage that matches your budget
- Representation by a real estate attorney (optional, estimated value $500)
- $500 cash deposit after closing (Broadview direct deposit and ACH auto-pay required)
- Home inspector discount (participating providers)
- Your own Community Hero mortgage team
Rates
30-Year Fixed
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
7/6 ARM1
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
15 Year Fixed
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
Bank Well, Live Better
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!
Free Budgeting Tool
Pursue financial goals by creating budgets, reducing debt, and building savings. Available within digital banking.
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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.
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Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive:
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- 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.
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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
