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 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. 
     

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. 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 5.00% fixed APR for a 10-year repayment term. All terms include 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 6.75% 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