Nicholas Scattareggia
Nicholas Scattareggia
Mortgage Originator
NMLS# 219880
As a licensed Mortgage Loan Originator, I bring over twelve years of progressive lending experience with me to each mortgage transaction. I strive to provide each customer with a positive experience and the information necessary to make an easy mortgage financing decision. My goal is always to put the customer first, where honesty, integrity, and responding quickly to customers calls are at the core of my values. I am always available! I am a lifelong resident of the Capital Region and attended Siena College where I received a Bachelor's degree in Finance. I love to spend time outside of work with my wife and three children, coaching little league and pop warner football. I look forward to helping you with your mortgage needs.
Exciting news!
MAP® HomeAssist helps eligible homebuyers overcome upfront costs by providing financial assistance, making it easier to achieve homeownership. Some restrictions apply.
- Up to $12,000 in assistance toward down payment and/or closing costs6
- Reduces the cash you need at closing
- No repayment required for financial assistance (if program terms are met)
Contact me today for more information!
30-Year Fixed2
AS LOW AS
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(45-Day Rate Lock)
5/6 ARM3
AS LOW AS
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(45-Day Rate Lock)
7/6 ARM3
AS LOW AS
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(45-Day Rate Lock)
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
Healthcare
professionals, staff
Law Enforcement
police, corrections
U.S. Military
active-duty, veteran
Fire & Rescue
full-time, volunteer
Education
professionals, staff
Community Hero benefits, available on every mortgage we offer, include5:
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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.
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An example monthly payment for a 30 year fixed mortgage rate at Loading...% with a Loading...% APR is Loading... per $1,000 borrowed. Rates are accurate as of Loading... and are subject to change without notice.
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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 Loading... 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 Loading...% with a Loading...% APR is Loading... per $1,000 borrowed for the first 7 years then subject to increase.
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FHA loans are insured by the Federal Housing Administration. Borrower qualification and program guidelines apply.
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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. 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.
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Borrower income must be at or below 80% of Area Median Income. Property must be a 1-unit, owner-occupied primary residence. Eligible for conventional purchase transactions only. Program eligibility, underwriting requirements, and funding availability apply. Broadview membership is required. The funding for MAP HomeAssist will be distributed on a first-come, first-served basis until the allotted funds are exhausted. MAP HomeAssist may not be combined with LPMI Reimbursement. MAP HomeAssist may be combined with the FHLBNY’s Homebuyer Dream Program® (HDP®) grant but cannot be combined with HDP Plus and HDP Wealth Builder.
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Mortgage products offered in New York State only. Principal address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314.
