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Home Equity Line of Credit (HELOC) Disclosure: Closing costs for the first $500,000 are paid by Bethpage Federal Credit Union (Bethpage), but must be repaid by the borrower(s) if the HELOC is closed within the first 36 months of account opening. Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants, are not eligible for a discounted introductory rate (if applicable) at any time, and the borrower(s) are responsible for mortgage tax and title insurance costs on the loan value portion over $500,000. Bethpage does not currently offer HELOCs in Texas. Membership at Bethpage is required by opening a minimum $5.00 share savings account at or prior to HELOC account opening.