Adjustable Rate Mortgage

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  • Low initial rates and payments.
  • Lifetime cap on rate adjustments limited to 6% over the introductory rate.
  • Mortgage loans are available in all states except Texas.
  • For purchase or refinance.


Property types include:
Owner occupied properties can be: one, two, three or four units, condominium, planned unit development and cooperative* (co-op) property types.

Second homes can be: one unit, condominium, and cooperative* (co-op) property types.

Non-owner occupied properties can be: one, two, three or four units, condominium, and planned unit developments property types.**

*Bethpage will consider lending in the following areas on cooperative property types: New York City, Queens, Kings, Staten Island, Bronx, Nassau, Suffolk, and Westchester Counties in NY; Bergen, Hudson, and Monmouth Counties in NJ; Fairfield, and New Haven Counties in CT. Minimum units in project = 10.

**Non-owner occupied property 7/1 ARM Program only.


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Mortgage Calculators

Buying a new house and making it a home can be a real headache if you aren’t prepared. Although it is a very exciting time in one’s life there are a lot of things to consider before you decide to buy.

Do you know the steps to take before you start looking for a new home? How about what you need to get that mortgage application started? Check out Advice & Planning to help make the home search and the mortgage process a little easier.

Visit the Advice and Planning, Home Center, to learn more...