Will Spadola
Will Spadola
Mortgage Originator
NMLS# 1333997
Born and raised in upstate New York, I have seen much of what this beautiful state has to offer. I grew up in rural New York and attended Pace University in New York City. I returned to the Capital Region to begin my career with Broadview in 2009. I’ve held several positions within this great company, from working as a teller in multiple branches to opening new accounts, to writing personal and auto loans.
In 2012, I was invited to work with the Broadview team, working as a Mortgage Loan Assistant for three high-producing and very successful loan originators. In that position, I learned how exciting and rewarding it can be to make the dream of home ownership a reality for so many people.
I understand that the entire process can be very trying and stressful, but I’ve made it my goal to help buyers fully understand the home-buying process and make it fun and exciting from the day of application to the day you move in.
I have experience working with several mortgage products including conventional loans, as well as SONYMA. Whether you’re a first-time home buyer looking for that starter house or dream home, an existing homeowner looking to refinance, or someone with a few questions about how it all works, I await your call and look forward to assisting you in any way I can.
30-Year Fixed2
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(45-Day Rate Lock)
5/6 ARM3
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(45-Day Rate Lock)
7/6 ARM3
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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 the 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 eligible for Broadview membership. A Broadview checking account with payroll direct deposit and automatic mortgage payments is required. The $500 deposit will be made to the program participant’s Broadview checking account within 30 days of the closing, upon verification of all eligibility requirements. This program cannot be combined with any other offers.
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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.
