Members tell us they’re being contacted by imposters who claim to be on our Fraud Prevention Team. We will NEVER request information about your account or identity – by phone, email, or text message. If you receive a text alert for a purchase you didn’t make, DO NOT approve it. We will NEVER instruct you to approve a transaction. When in doubt, call us at 800-634-2340 .
Essential workers power NYS and we’re proud to recognize your hard work.
CSEA Heroes Home Solutions are available to CSEA homebuyers, homeowners, and their families. Access an array of affordable lending solutions thanks to your status as a CSEA member!
Your team at CAP COM and its subsidiary, Homeowners Advantage, ease the way with the best CSEA Heroes Home Solutions for your budget and guiding you through the lending process.
Get the support you need for this major purchase. We’ll explain the mortgage process and handle the details.
More than Great Rates
Lower your monthly mortgage payment, pay off your loan earlier, or maybe even both. When rates are low, refinance your mortgage.
Help Every Step of the Way
Seeking a way to remodel, cover college tuition, pay off high-interest debt, or another big expense? Explore how to refinance or tap your home's equity.
Home Equity Line of Credit
 Fixed-Rate Mortgage Finance up to 97% of the purchase price (if qualified) and enjoy quick processing with same-day pre-qualification – if credit qualified. 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). |
 FHA Loan4 For first-time homebuyers with credit challenges, the FHA Loan offers a lower down payment. Sellers can provide up to 6% toward closing costs and pre-paid items. |
 VA Loan4 Eligible veterans can obtain up to 100% financing for owner-occupied properties (1-2 units). Sellers can provide up to 6% toward closing costs and pre-paid items. |
 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. |
 USDA Rural Loan This program finances up to 100% of the property's appraised value with no mortgage insurance. Sellers can provide up to 6% toward closing costs and pre-paid items. |
 Jumbo Loan The Jumbo Loan features favorable rates, flexible terms, and dependable payments on purchases greater than $726,200. |
Buying a home can be a daunting task. The challenges of being a first-time home owner can be intimidating, particularly for people who are moving away from home, starting their careers and dealing with student loan debt. Here are a few guidelines to help take some of the stress out of your decision.
Major Expense
Cover remodeling projects, college tuition, or another large expense with dependable payments you can budget.
Just in Case
Line up your HELOC for peace of mind. Withdraw money if you need to cover a major, unexpected cost.
Access to Money (Draw Period)
5 Years
10 Years
Years to Repay (Term)
Up to 20 Years
20 Years
Minimum Required
$10,000
$10,000
Loan to Home Value (LTV)
Up To 90%
Up To 90%
Intro Rate
N/A
As low as 6.49% for 12 months5
Say no to all those fees! When we say zero closing costs, we mean it.2
Full disclosures and terms will be provided during the Mortgage Program consultations. The summary below is not all-inclusive.
The Annual Percentage Rate (APR) will be set when the application is submitted and will be indicated on the loan agreement. Fixed Rate HELOC: The representative monthly payment based on a 10-year term, in first mortgage position at a 6.25% Annual Percentage Rate is $11.23 per $1,000 borrowed. Variable Rate HELOC: Intro rate effective for first 12 months. After the initial 12-month discount has expired, your annual percentage rate can change annually on the first day of the month following the expiration of your discount rate. After the intro rate, loans with LTVs of up to 90% in first position and LTVs of up to 80% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 81% - 90% on second lien position will be equal to the Prime Rate plus 0.50%. The floor rate will be set when the application is submitted, will be in effect for the life of the loan, and will be indicated on the loan agreement. The representative monthly payment based on a 20-year variable term, in first mortgage position at an 8.000% Annual Percentage Rate is $8.36 per $1,000 borrowed. Rates are accurate as of 10/16/2023 and are subject to change without notice.
Title insurance may be required and is paid by the borrower. Closing costs paid by CAP COM, on behalf of the borrower, will be paid on cumulative 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.
All Lines of Credit require a minimum limit of $10,000. Other rates are available and subject to change without notice. Mortgages in New York State only. Broadview FCU NMLS Identifier: 458314
Broadview FCU and its subsidiary Homeowners Advantage can facilitate but are not directly associated with Veterans Affairs (VA) or the US Dept. of Housing and Urban Development (HUD).
APR = Annual Percentage Rate. Intro rate effective for first 12 months. Rate is subject to adjustment annually and the first variable rate adjustment will occur one year from the loan funding date. The floor rate will be set at the time of loan funding, will be in effect for the life of the loan, and will be indicated on the loan agreement. Loans with LTVs of up to 90% in first position and LTVs of up to 80% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 81% - 90% will be equal to the Prime Rate plus 0.50%.
Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of Broadview FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 309847. Principal Address: 4 Winners Circle, Albany NY 12205. Broadview FCU NMLS Identifier: 458314
