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What Would You Like to Do?

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.


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Meet Your Team

Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.

  • See bios of team members
  • Choose a Mortgage Loan Officer
  • Referred? Connect with the MLO.
  • Reach out for a loan or guidance
See Team Bios

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  1. 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.

  2. 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.
      • 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.
  3. 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.

  4. 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).

  5. 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.


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