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Home Lending Solutions

Make your dream a reality
Buying a home is a big step, so let us help you make it happen with great loan rates and professionals to guide you.
- Choose from mortgage types tailored to your needs
- Refinance your mortgage and save
- Consult with our responsive team
- Consider options to lower your up-front costs
- Regional appraisal, underwriting, and servicing

What Would You Like to Do?
Purchase a Home
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.
$0 Down Payment Options1
Unique Solutions Built for You
Community Heroes (up to $1,000 value)2
Local Experts, Personal Service
Refinance and Save
Lower your monthly mortgage payment, pay off your loan earlier, or maybe even both. When rates are low, we're here to help you refinance your mortgage.
The Right Solution, Built for You
Simple Application Process
Cash-out Options
Pay for Large Expenses
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.
Competitive Fixed and Variable Rates
100% Loan-to-Value Options
ZERO Closing Costs3
No Appraisal Fee
Choose Your Loan
Mortgage Loans
Finance your dream home
- Fixed, adjustable and hybrid adjustable rates
- FHA, SONYMA, USDA and VA mortgages available4
Fixed-Rate HELOC
Access cash over time
- Enjoy the same rate for 15 years
- Pay only interest during the first five years
Variable-Rate HELOC
Access cash over time
- Take advantage of a low, variable rate
- Draw funds as needed for 10 years
Reverse Mortgage
Get money out of your home
- For homeowners 62+
- Tax-free income while you live in your home
- Only offer in the State of New York

Advice for first time home buyers
We understand how daunting it can be to buy your first home. Especially when you’re moving, starting a new job, or dealing with student loan debt. We’re here for you to ease the stress. Take a look at these guidelines to help make decisions with confidence.
Helpful Resources
Home Buying Tips
Advice to prepare you for one of the largest purchases you’ll ever make.
Merits of 100% Financing
Consider this option if you have good credit but need money for closing costs.
Raise Your Credit Score
Understand what affects your credit score and discover a few simple ways to improve it.
Bank Well, Live Better
Make the most of every Broadview benefit to simplify your finances and bank your way.
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 intertest debt – and more!
Know Your Credit Score
Maintaining a good credit score can help you buy a home, pay for school or even open your own business.
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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 6.000% with a 6.149% APR is $6.09 per $1,000 borrowed. Representative payment for 10/6 ARM at 4.25% with a 5.580% APR is $5.73 per $1,000 borrowed for the first 10 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.
- 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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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 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.
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Broadview FCU and its subsidiaries Homeowners Advantage and SEFCU Mortgage Services can facilitate but are not directly associated with Veterans Affairs (VA) or the US Dept. of Housing and Urban Development (HUD).
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Mortgage products in New York State only and offered by our Mortgage Teams, Homeowners Advantage (HOA) and SEFCU Mortgage Services (SMS), which are subsidiaries of Broadview FCU. Both are Licensed Mortgage Bankers – NYS Dept. of Financial Services. NMLS Identifier: 309847. SMS address: 700 Patroon Creek Blvd. Suite 301, Albany NY 12206. HOA address: 4 Winners Circle, Suite 201, Albany NY, 12205. HOA Branch ID: 2491994. Broadview FCU NMLS Identifier: 458314.