Laura Sullivan

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Laura Sullivan

Mortgage Originator
NMLS# 1450674

Contact Information:
Office: 518-783-1234 Ext. 18626
Cell: 518-698-0628
lsulliva@broadviewfcu.com

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With more than 15 years of experience in the banking industry, I’m proud to serve Broadview members with trusted guidance and a commitment to exceptional service. I’ve helped thousands of people purchase vehicles, fund their education, and manage debt, always with a focus on educating consumers to reach their financial goals.

My passion for helping people through big life decisions led me to become a Mortgage Loan Originator. I’m here to make the home buying process clear, efficient, and stress free for you and your loved ones. While I’m based in the Capital Region, I can assist with mortgage needs anywhere in New York State. My team and I work diligently to ensure a smooth experience—and I’m available after hours and on weekends for your convenience. Whatever your financing needs may be, you can count on me to guide you every step of the way.

I look forward to working with you.

30-Year Fixed²

AS LOW AS

% Rate
% APR¹

(45-Day Rate Lock)

5/6 ARM³

AS LOW AS

% Rate
% APR¹

(45-Day Rate Lock)

7/6 ARM³

AS LOW AS

% Rate
% APR¹

(45-Day Rate Lock)

See More Rates

Traditional Mortgage Options

Fixed-Rate Mortgage
Finance up to 97% of the purchase price (if qualified) and enjoy quick processing. 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).

Specialty Mortgage Options

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.

Jumbo Loan
The Jumbo Loan features favorable rates, flexible terms, and dependable payments on purchases greater than $832,750.

FHA Loan⁴
For borrowers seeking flexible qualification criteria, FHA loans offer low down payment options. Sellers can also provide up to 6% toward concessions.

Community Heroes Mortgage Program

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Healthcare

professionals, staff

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Law Enforcement

police, corrections

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U.S. Military

active-duty, veteran

Fire & Rescue

full-time, volunteer

Education

professionals, staff

Community Hero benefits, available on every mortgage we offer, include⁵:

An affordable mortgage that matches your budget
Home inspector discount (participating providers)
Your own Community Hero mortgage team

Representation by a real estate attorney (optional, estimated value $500)
$500 cash deposit after closing (Broadview direct deposit and ACH auto-pay required)

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	%	%

^{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 6.125% with a 6.242% APR is $6.08 per $1,000 borrowed. Rates are accurate as of 10/6/2025 11:22 AM and are subject to change without notice.}

^{3. 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 10/6/2025 11:22 AM 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 5.625% with a 6.295% APR is $5.76 per $1,000 borrowed for the first 7 years then subject to increase.}

^{4. 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, no cash out or cash out refinance options may affect your rate. The rate lock period for fixed-rate and adjustable-rate mortgages is 45 days from application submission. 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 is a 30 year mortgage with a fixed rate for the first 7 years that is subject to change 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 45 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.
FHA loans are insured by the Federal Housing Administration. Borrower qualification and program guidelines apply.
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.
Mortgage products offered in New York State only. Principal address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314.

Laura Sullivan

Rates

Broadview Product Rates