Mortgage Options Suited for You

Get pre-qualified and finance your new home.

Eric Cruz

Eric Cruz, Senior Mortgage Specialist
NMLS# 39075
Office: (518) 690-2232 ext. 4334
Cell: (518) 928-8741
ecruz@homeownersadvantage.com

I tailor a mortgage solution that matches your needs and will support you every step of the way!

Get Started Today

5/6 ARMˆ As low as
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(70 Day Rate Lock)

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7/6 ARMˆ As low as
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  % APRˆ
(70 Day Rate Lock)

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30 Year Fixed As low as
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(70 Day Rate Lock)

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Traditional Mortgage Options

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Fixed-Rate Mortgage1
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.png
Adjustable-Rate Mortgages1
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.
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Multi-Family/Investment
Financing options for investment and multi-family properties (up to 4-family units).

Low-down Payment Options

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FHA Loan2
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.		   MultiHome.png
VA Loan2
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.

Specialty Mortgage Options

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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.		 RuralLoan.png
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.		 JumboMansion.png
Jumbo Loan
The Jumbo Loan features favorable rates, flexible terms, and dependable payments on purchases greater than $726,200.

Community Heroes Mortgage Program

Enjoy some of the best mortgage rates around supported by our award-winning personal service! As a Community Hero, you’re eligible to receive $1,000+ in cash/discounts3 toward your home purchase if you work in:

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Healthcare
professionals, staff		 Military.png
U.S. Military
active-duty, veteran		 Education-Book.png
Education
professionals, staff
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Law Enforcement
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Fire & Rescue
full-time, volunteer


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

  • An affordable mortgage that matches budget
  • Personal real estate attorney representation (optional, estimated value: $500)
  • $500 cash deposit after your closing (with CAP COM direct deposit and auto-pay through ACH)
  • Discount on the home inspector’s fee (participating providers)
  • Your own Community Hero mortgage team

  1. APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall creditworthiness. Variable rates may increase over time. Representative payment for a 30 year fixed mortgage at 6.625% with a 6.785% APR is $6.51 per $1,000 borrowed. Representative payment for a 10/6 ARM at 5.375% with a 6.415% APR is $6.26 per $1,000 borrowed for the first 10 years then subject to increase. Rates are accurate as of 9/22/2023 11:50 AM and are subject to change without notice. Adjustable Rate Mortgage (ARM) rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. 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. Ask about other rates and terms.

  2. 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)

  3. 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 eligible for credit union membership. A CAP COM 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 CAP COM 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.
    • 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.

  4. 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. Principle Address: 4 Winners Circle, Albany NY 12205. Broadview FCU NMLS Identifier: 458314