Charles Eafrato
Mortgage Originator
NMLS# 481559
Contact Information:
Office: 877-266-7722 ext. 1423009
Cell: 518-928-6057
ceafrato@homeownersadvantage.com
Mortgage products in New York State only and offered by Broadview FCU. Address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314
NCUA Notice
For current Broadview members
Visit a Broadview branch near you, or call our Member Service Center at 800-727-3328.
Not a member yet?
How To Order Checks
Broadview makes it easy to order more. Just order online or through the mobile app, contact our Member Service Center, or visit any Broadview branch.
How to order checks from online banking/mobile app:
Note: If you are ordering for the first time, please contact the Member Service Center or visit any Broadview branch.
Savings Disclosure
APY = Annual Percentage Yield. Rate and APY are accurate as of , may be variable, and may be subject to change after the account is opened. Fees and other conditions may reduce earnings.
A $1 initial deposit is required to open an account. Broadview membership is required.
Personal Loan Disclosure
Annual Percentage Rate (APR) based on overall creditworthiness. Other rates and terms may apply. Monthly loan payment example: a $5,000 loan at 9.49% APR for 60 months, with no additional payment protection, would be $105.37. Rates accurate as of and subject to change without notice. Broadview membership is required.
30-Year Fixed Mortgage Disclosure
1. 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.
2. 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.
3. Mortgage products in New York State only and offered by Broadview FCU. Address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314
Certificate Rate Disclosure
APY = Annual Percentage Yield. Rate and APY are accurate as of . Fees and other conditions may reduce earnings.
Dividends on Share Certificates accrue daily and are considered earned as accrued. Dividends are paid the last day of the month except when partial withdrawals are made or early closeout occurs. Withdrawals of dividends, fees and other conditions may reduce the earnings. Penalties may apply for early withdrawal. Broadview Membership is required.
Vehicle Loan Disclosure
Annual Percentage Rate (APR). All rates quoted are the lowest available rates. Actual rate will be based on overall creditworthiness. Other rates and terms may apply. A representative monthly payment for a 24 month vehicle loan at 4.24% APR is $43.61 per $1,000 borrowed. Rates accurate as of and subject to change without notice. Broadview membership is required.
For current Broadview members:
Add a new account to your membership by clicking on “Apply & Open” within your online banking account. You can also visit a Broadview branch near you, or call our Member Service Center at 800-727-3328.
Not a member yet?
How to Open a Youth Savings Account
You can open a new Youth Savings account three ways:
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740. lf an escrow account is required or requested, that payment does not include insurance and taxes and the payment may be greater.
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740.
The note rate shall be fixed for 10 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%. The adjusted rate shall be based on the index value in effect 60 days priors to the contractual rate change data. At an example initial interest rate of 3.00%, the APR for this loan type is 3.125%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
If an escrow account is required or requested, that payment does not include insurance and taxes and the payment may be greater.
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740.
The note rate shall be fixed for 5 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%. The adjusted rate shall be based on the index value in effect 60 days priors to the contractual rate change data. At an example initial interest rate of 2.625%, the APR for this loan type is 3.026%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
If an escrow account is required or requested, that payment does not include insurance and taxes and the payment may be greater.
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740.
The note 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%. The adjusted rate shall be based on the index value in effect 60 days priors to the contractual rate change data. At an example initial interest rate of 2.875%, the APR for this loan type is 3.085%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
If an escrow account is required or requested, that payment does not include insurance and taxes and the payment may be greater.
