Refinance and Save

Secure a lower rate on your loan and pay less.

Refinancing your mortgage can produce substantial benefits. Let our experienced, licensed loan officers guide you through this process.

  • Reduce your monthly payments
  • Increase your monthly cash flow
  • Shorten the length of your loan (term)
  • Pay less in interest overall

Let's Talk

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Refinance your Mortgage and Take Extra Cash Out

Need some extra cash for a project or an upcoming large expense? Put your home’s equity to work. Refinance any conventional or adjustable rate mortgage and pull some extra cash out. Use it however you want.

  • Finance up to 80% of your home’s appraised value

Contact Us to Get Started

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How Much Can I Save?

Compare to see how much you could save.

  • Enter your current loan information
  • Include rates on a new loan, fees
  • View total interest paid on each loan
  • See if your monthly payment is less

Calculate Your Savings

Find out if refinancing is right for you.
Sit back as we take a Fresh Look at your situation to see if we can save you money.

Meet Your Team

Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.

  • See bios of team members
  • Choose a Mortgage Loan Officer
  • Referred? Connect with the MLO.
  • Reach out for a loan or guidance

See Team Bios

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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.

Get Quotes

Seeking a way to remodel, cover college tuition, pay off high-interest debt, or another big expense? See how you can tap your home's equity.

Home Equity Line of Credit

Set financial goals and pursue them. Create budgets, reduce debt, and build your savings.

Money Management

  1. 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

  2. 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 6.75% with a 6.912% APR is $6.49 per $1,000 borrowed. Representative payment for 10/6 ARM at 7.000% with a 7.573% APR is $7.04 per $1,000 borrowed for the first 10 years then subject to increase. Rates are accurate as of   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.

  3. 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