Elaine Dickinson
Mortgage Originator
NMLS# 65433
My goal is to earn your confidence and become your trusted mortgage advisor for years to come as I have for many over the last 18 years. It is important for you to know that I take tremendous pride in our outstanding reputation. I am very proud to say that I have ranked #1 in sales volume from 2000-present. In 2021, I closed 324 loans for a total volume of $82 million dollars, ranking once again, #1 at Homeowners Advantage. This achievement is a result of my dedication to our members and providing you the knowledge to make informed decisions.
I have developed a team approach to streamlining the mortgage process. This approach has proven to be extremely successful. My team includes a Marketing and Production Assistant, a Mortgage Loan Processor, and a designated Underwriter who have equal experience in the field of mortgage origination. My team will get you to the closing accurately and efficiently, ensuring your satisfaction every time…a true team of professionals!
During my career, I have taught real estate financing to realtors in the Capital Region. I am a member of the Mortgage Bankers Association and a licensed Mortgage Loan Originator with New York State. I am available in the office on weekdays and always after hours and on the weekends for your convenience.
5/6 ARM1
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
7/6 ARM1
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
30-Year Fixed
AS LOW AS
% Rate
% APR1
(70-Day Rate Lock)
Traditional Mortgage Options
Fixed-Rate Mortgage1
Finance up to 97% of the purchase price (if qualified) and enjoy quick processing with same-day pre-qualification – if credit qualified. Flexible rates and terms are available.
Adjustable-Rate Mortgages1
Payments may adjust up or down based on interest rate changes. Ideal if you will be in your home for about 10 years or less. Multiple options to fit your specific needs.
Multi-Family/Investment
Financing options for investment and multi-family properties (up to 4-family units).
Low-down Payment Options
FHA Loan2
For first-time homebuyers with credit challenges, the FHA Loan offers a lower down payment. Sellers can provide up to 6% toward closing costs and pre-paid items.
VA Loan2
Eligible veterans can obtain up to 100% financing for owner-occupied properties (1-2 units). Sellers can provide up to 6% toward closing costs and pre-paid items.
Specialty Mortgage Options
Construction End Loan
If you’re buying in a community and the builder doesn’t need cash during construction, this loan may be ideal. You can lock in the rate for up to 365 days.
USDA Rural Loan
This program finances up to 100% of the property's appraised value with no mortgage insurance. Sellers can provide up to 6% toward closing costs and pre-paid items.
Jumbo Loan
The Jumbo Loan features favorable rates, flexible terms, and dependable payments on purchases greater than $726,200.
Community Heroes Mortgage Program
Healthcare
professionals, staff
Law Enforcement
police, corrections
U.S. Military
active-duty, veteran
Fire & Rescue
full-time, volunteer
Education
professionals, staff
Community Hero benefits, available on every mortgage we offer, include3:
-
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.
-
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).
-
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.
-
-
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
