Tips for Homebuyers
See steps you can take to prepare for one of the largest purchases you’ll make in life.
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Your dreams are realities waiting to happen.
When you're ready to take that next big step, let us help. Make the most of great loan rates and award-winning service from professionals who advocate for you.
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.
More than Great Rates
Lower your monthly mortgage payment, pay off your loan earlier, or maybe even both. When rates are low, refinance your mortgage.
Help Every Step of the Way
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.
Pay for Large Expenses
Buying a home can be a daunting task. The challenges of being a first-time home owner can be intimidating, particularly for people who are moving away from home, starting their careers and dealing with student loan debt. Here are a few guidelines to help take some of the stress out of your decision.
Bank Well, Live Well
Simplify your finances and enhance your life. Make the most of every CAP COM benefit.
Getting quotes on your insurance can reveal eye-opening savings. Submit one request and get multiple quotes.
Your dream home awaits! Meet your mortgage team at Homeowners Advantage, a CAP COM subsidiary, and cross your next threshold.
Set financial goals and pursue them. Create budgets, reduce debt, and build your savings.
While many Mortgages are serviced locally there may be instances where this is not the case. Our Mortgage experts can provide you with information regarding the servicing of your particular loan.
Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive:
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.
APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall credit worthiness. Representative payment for a 30 year fixed mortgage at 6.75% with a 6.912% APR is $6.59 per $1,000 borrowed. Representative payment for 7/6 ARM at 5.750% with a 7.073% APR is $6.70 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.
Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of Broadview FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 309847. Principle Address: 4 Winners Circle, Albany NY 12205. Broadview FCU NMLS Identifier: 458314