Mortgage Loans for your purchase
or refinancing needs.

* By clicking on the 'Submit' button above, you consent, acknowledge, and agree to the following:

You are providing express written consent to receive recurring telephone calls, text messages (including SMS and MMS-charges may apply), and other telecommunications by or on behalf of Bethpage Federal Credit Union ('Bethpage'),including from Bethpage's agents,affiliates(including Bethpage Financial Group), and partners, at the telephone number provided on this form.

You understand such communications may include advertising and telemarketing communications sent by an automatic telephone dialing system or using an artificial or prerecorded voice.

You represent that you are the registered subscriber or an authorized user of the telephone number you provided, and you agree that you will notify Bethpage in writing if you drop or change your telephone number via email to mloan@bethpagefcu.com

You understand that your consent is not required to receive goods, products, or services from Bethpage. You may opt-out of receiving telemarketing communications at anytime, including here http://lovebethpage.com/optout.
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% Loan to Value ( LTV) requires private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required by opening a $5.00 minimum share savings account at or prior to consummation of the loan. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations may apply.

[1] Rates and terms subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness.

Interest Rate and APR Assumptions: The Interest Rate and APR assumes the mortgage is a conforming loan to purchase or refinance an existing single-family home used as the borrower's primary residence in New York. a Loan to Value of 75% or less, the borrower has excellent credit (720) or greater), a rate lock of 60 days or less, and a loan amount of $165,000. For ARM loans rates assume a 30-year loan term. For Fixed loans rates assumes 10, 15, 20, or 30 years loan terms, respectively.

[2] APR= Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. Rates as of ---- and are subject to change without notice.

* ARM Loans are variable rate loans, where interest rates and payments may increase after consummation. A 3/1 ARM has an initial fixed interest rate for the first 3 years ( 5 years for a 5/1 ARM, 7 years for a 7/1 ARM, 10 years for a 10/1 ARM), then adjusts every year thereafter based on an index, plus a margin. After the initial fixed-rate period, your interest can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.

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