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CSEA Heroes Home Solutions

Woman shaking hands with agent outside home

Essential workers power NYS and we’re proud to recognize your hard work.

CSEA Heroes Home Solutions are available to CSEA homebuyers, homeowners, and their families. Access an array of affordable lending solutions thanks to your status as a CSEA member!

Buy the home of your dreams with a budget-friendly mortgage
Reduce your payments or pay off your mortgage sooner
Access cash for home improvements
$500 cash back for homebuyers⁴

Your team at Broadview and its subsidiary, Homeowners Advantage, ease the way with the best CSEA Heroes Home Solutions for your budget and guiding you through the lending process.

Apply for a Mortgage Speak to a Loan Officer

30-Year Fixed²

AS LOW AS

% Rate
% APR¹

(45-Day Rate Lock)

7/6 ARM³

AS LOW AS

% Rate
% APR¹

(45-Day Rate Lock)

10-Year Fixed HELOC⁵

AS LOW AS

% APR⁵

5-year draw

What Would You Like to Do?

Purchase a Home

Get the support you need for this major purchase. We’ll explain the mortgage process and handle the details.

More than Great Rates

Low Rate Mortgage Options
Unique Solutions Built for You
$500 cash back¹
Experts Provide Personal Service

Explore Options

Refinance and Save

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

The Right Solution, Built for You
Simple Application Process
Cash-out Options

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Mortgage Solutions

Fixed-Rate Mortgage
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 Mortgages
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).

FHA Loan⁶
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 Loan⁶
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.

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 $766,550.

First-Time Home Buyer?

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.

Learn More

Refinance & Save

Refinance with Cash Out

If the value of your home is more than what you owe, you can borrow some of that "value." The way it works is you pay off your mortgage and receive the remaining funds in a lump sum (without taking out a second loan). You can use the money for anything you want. Home improvement and debt consolidation are popular uses.

Apply Today

Refinance with a HELOC

Refinancing your mortgage with a Home Equity Line of Credit (HELOC) is a popular option. A big benefit is you'll save up-front because there are no closing costs. Also, there is no appraisal fee or escrow commitment.

Apply Now

Home Equity Line of Credit

Fixed-Rate

Major Expense

Cover remodeling projects, college tuition, or another large expense with dependable payments you can budget.

This table is an example of insurance payments with GAP.
Access to Money (Draw Period)	5 Years
Years to Repay (Term)	Up to 20 Years
Minimum Required	$10,000
Loan to Home Value (LTV)	Up To 90%
Intro Rate	N/A

Variable-Rate

Just in Case

Line up your Home Equity Line of Credit for peace of mind. Withdraw money if you need to cover a major, unexpected cost.

This table is an example of insurance payments with GAP.
Access to Money (Draw Period)	10 Years
Years to Repay (Term)	25 Years
Minimum Required	$10,000
Loan to Home Value (LTV)	Up To 90%
Intro Rate	As low as 3.99% APR⁵ for 12 months, 6.75% APR thereafter

Apply Now

Zero Closing Costs

Say no to all those fees! When we say zero closing costs⁵, we mean it.

No fees for your HELOC application, appraisal, origination, mortgage tax, etc.
Borrow up to 90% of your home's appraised value
Competitive fixed and variable interest rate options
Repayment term: Up to 25 years

Apply Now

Additional CSEA Products

CSEA Credit Card

Learn More

Homebuyer Education

Read our Blogs

Fixed Rate Mortgages
This table is a list of fixed rate mortgage products. The first column is the product name. The remaining columns represent different rates and annual percentage rates, if purchased points are included and estimated monthly payments.
Term	Rate	APR¹
²	%	%
²	%	%
²	%	%
²	%	%

Adjustable Rate Mortgages
This table is a list of adjustable rate mortgage products. The first column is the product name. The remaining columns represent different rates, annual percentage rates, and if purchased points are included.
Term	Rate	APR¹
³	%	%
³	%	%
³	%	%

Fixed Rate Home Equity Line of Credit
Rates quoted are the lowest available rates based on overall creditworthiness.
This table represents Fixed Rate Home Equity Line of Credit loans and their specifics. The first column is the term. The remaining columns represent the Annual Percentage Yield, the position requirement and loan to value maximum, and the draw period.
APR⁴	Positions/LTV	Draw Period
%	1st / 60% LTV	5 years
%	1st / 60% LTV	5 years
%	1st / 60% LTV	5 years
%	2nd / 60% LTV	5 years
%	2nd / 60% LTV	5 years
%	2nd / 60% LTV	5 years

Variable Rate Home Equity Line of Credit
Rates quoted are the lowest available rates based on overall creditworthiness.
Term	APR⁴	Positions/LTV	Draw Period
25 Years	6.49% rate for 12 months¹ 8.00% (Prime - 0.50%) thereafter	1st / 60% LTV	10 Years
25 Years	6.74% rate for 12 months¹ 8.00% (Prime - 0.50%) thereafter	1st / 90% LTV	10 Years
25 Years	6.99% rate for 12 months¹ 8.00% (Prime - 0.50%) thereafter	2nd / 60% LTV	10 Years
25 Years	7.49% rate for 12 months¹ 8.00% (Prime - 0.50%) thereafter	2nd / 90% LTV	10 Years

APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall creditworthiness. 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, monthly payments may be greater. Ask about other rates and terms.
An example monthly payment for a 30 year fixed mortgage rate at % with a % APR is per $1,000 borrowed. Rates are accurate as of and are subject to change without notice.
ARM = Adjustable Rate Mortgage. The 7/6 ARM rate shall be fixed for 7 years and is subject to a rate adjustment bi-annually thereafter. The adjusted rate shall be based on the 30 Day Average SOFR plus 2.75% with a floor rate of Start Rate and a Ceiling Rate of Start Rate + 5.00%. Rates are accurate as of and are subject to change without notice. The adjusted rate shall be based on the index value in effect 60 days prior to the contractual rate change data. An example monthly payment for a 7/6 ARM rate at % with a % APR is per $1,000 borrowed for the first 7 years then subject to increase.
APR = Annual Percentage Rate. All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms available. Property insurance, including flood insurance, may be required. Rates are accurate as of today and are subject to change without notice. Fixed Rate Home Equity Line of Credit: Rates are as low as % fixed APR for a 10-year repayment term. Includes a 5-year draw. Variable Rate Home Equity Line of Credit: Rates are as low as 3.99% APR for the first 12 months and Prime minus 0.50% thereafter (currently % APR), with a maximum APR of 14.90%. A 10-year draw period is included in the 25-year repayment term. APR may vary.

Title insurance may be required and is paid by the borrower. Closing costs are paid by Broadview on loan amounts up to and including $250,000. Those costs must be repaid by the borrower(s) if the HELOC is closed within the first 3 years of account opening. 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. 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.

All Lines of Credit require a minimum limit of $10,000 and are available in New York State and Pennsylvania counties of Susquehanna, Bradford or Wyoming. Broadview FCU NMLS Identifier: 458314. Broadview membership is required.
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

APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall creditworthiness. 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, monthly payments may be greater. Ask about other rates and terms.
An example monthly payment for a 30 year fixed mortgage rate at % with a % APR is per $1,000 borrowed. Rates are accurate as of and are subject to change without notice.
ARM = Adjustable Rate Mortgage. The 7/6 ARM rate shall be fixed for 7 years and is subject to a rate adjustment bi-annually thereafter. The adjusted rate shall be based on the 30 Day Average SOFR plus 2.75% with a floor rate of Start Rate and a Ceiling Rate of Start Rate + 5.00%. Rates are accurate as of and are subject to change without notice. The adjusted rate shall be based on the index value in effect 60 days prior to the contractual rate change data. An example monthly payment for a 7/6 ARM rate at % with a % APR is per $1,000 borrowed for the first 7 years then subject to increase.
Full disclosures and terms will be provided during the 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 eligible for Broadview membership. A Broadview checking account with payroll direct deposit and automatic mortgage payments is required.
- The $500 deposit will be made to the program participant’s Broadview checking account within 30 days of the closing, upon verification of all eligibility requirements.
- Proof of CSEA Membership is required to be eligible for the CSEA Heroes Home Solutions Mortgage Program.
- This program cannot be combined with any other offers, including the Community Heroes Mortgage Program.
APR = Annual Percentage Rate. All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms available. Property insurance, including flood insurance, may be required. Rates are accurate as of today and are subject to change without notice. Fixed Rate Home Equity Line of Credit: Rates are as low as % fixed APR for a 10-year repayment term. Includes a 5-year draw. Variable Rate Home Equity Line of Credit: Rates are as low as 3.99% APR for the first 12 months and Prime minus 0.50% thereafter (currently % APR), with a maximum APR of 14.90%. A 10-year draw period is included in the 25-year repayment term. APR may vary.

Title insurance may be required and is paid by the borrower. Closing costs are paid by Broadview on loan amounts up to and including $250,000. Those costs must be repaid by the borrower(s) if the HELOC is closed within the first 3 years of account opening. 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. 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.

All Lines of Credit require a minimum limit of $10,000 and are available in New York State and Pennsylvania counties of Susquehanna, Bradford or Wyoming. Broadview FCU NMLS Identifier: 458314. Broadview membership is required.
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