Mortgage Center: Buying a Home

At Bethpage Federal Credit Union, we have a strong track record of helping our members fulfill the dream of home ownership. However, the lending process can be daunting and frustrating without a clear understanding of the steps. Whether you’re a first-time homebuyer or refinancing your existing loan, we can help you understand the mortgage process. We’ll help you navigate the most common types of mortgage products and walk you through the stages to complete your home purchase or refinance.

We’ve prepared a selection of pages to help you brush up on important terms, frequently asked questions and other basics that shouldn’t be overlooked in the pursuit of a mortgage.


Have you saved enough to buy the home of your dreams? What’s your credit score? There are a host of questions you should ask yourself before undertaking the mortgage approval process, and Bethpage can help you figure out where to start.


When you’re granted a home loan, the cost of the mortgage is just the beginning. Expenses like interest, tax and insurance also factor into your financial future. That’s why it’s important to understand mortgage terms, types and opportunities for government assistance.


The marketplace is packed with mortgages, from fixed-rate mortgages (FRMs) to those with adjustable rates. Understand the differences with some examples and answered questions.


Pre-approval or pre-qualification can be the first step to being taken seriously as a prospective buyer, but what’s the difference? What materials should you prepare for a pre-approval?


We answer some frequently asked questions about securing a mortgage, like when to apply and how to find a lender.


What some might call “the fun part,” or selecting a home from the marketplace that’s worth going to all this trouble to buy. Whether you intend to own a home for a few years or a lifetime, here’s what you need to know to evaluate the options.

We’ve also created the Bethpage Mortgage Center for your convenience: Meet our team, ask a question, begin the application process or simply view the most recent interest rates on the market. Don’t be too intimidated to pursue your dream of home ownership. A combination of education and superior guidance can help achieve your goal.

If you'd like to ask a question or apply for a mortgage, click the button below:

For Additional Questions

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Bethpage Branch

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Call our Telephone Service Center
800-628-7070

Monday – Friday: 7:30am – 7pm
Saturday: 8am – 2pm