
Tips for Homebuyers
See steps you can take to prepare for one of the largest purchases you’ll make in life.
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Your dreams are realities waiting to happen.
When you're ready to take that next big step, let us help. Make the most of great loan rates and award-winning service from professionals who advocate for you.
Get the support you need for this major purchase by keeping your mortgage team close to home. While you're house hunting, we'll 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
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.
Bank Well, Live Well
Simplify your finances and enhance your life. Make the most of every CAP COM benefit.
Getting quotes on your insurance can reveal eye-opening savings. Submit one request and get multiple quotes.
Your dream home awaits! Meet your mortgage team at Homeowners Advantage, a CAP COM subsidiary, and cross your next threshold.
Set financial goals and pursue them. Create budgets, reduce debt, and build your savings.
While many Mortgages are serviced locally there may be instances where this is not the case. Our Mortgage experts can provide you with information regarding the servicing of your particular loan.
Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive:
The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 2% with a maximum APR of 18%. The representative monthly payment based on a 10-year term, in first mortgage position at a 5.50% Annual Percentage Rate is $10.85 per $1,000 borrowed. The representative monthly payment based on a 20 -year variable term, in first mortgage position at a 7.255% Annual Percentage Rate is $7.91 per $1,000 borrowed. Rates are accurate as of DisplayRateEffectiveDate} and are subject to change without notice. No closing costs on home equity lines of credits (HELOCs) up to $250,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.
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
Rates as of . The representative monthly payment based on a 30-year term fixed Mortgage at 6.375% Annual Percentage Rate is $6.24 per $1,000 borrowed. All rates are subject to change without notice. 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, that payment does not include insurance and taxes and the payment may be greater.
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