Fixed-Rate Mortgages

Fixed payments to budget with confidence.

Featured Rate: 30 Year Fixed
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Why a Bethpage Fixed-Rate Mortgage?

Choosing the type of mortgage that best fits your needs is an important step in the process of buying or refinancing a home. A traditional fixed-rate mortgage is a loan in which the interest rate and payments stay the same for the entire life of the loan. It is a great option if you plan to live in your house for many years and want protection from the risk of rising interest rates.

We’ll serve you well.

Our main objectives are to provide you with the best value and an exceptional member experience from application to closing.

You have options.

We offer 30, 20, 15, and 10-year terms for purchase or refinance. Plus, you can make additional payments toward the principal at any time with no penalty.

Shop with confidence.

Take the first step — get pre-qualified. The process is quick, easy, and free. You’ll know how much home you can afford before you go house shopping.

Lock it in... for free.

There is no charge to lock in your Bethpage rate for 60 days.*

See Today's Fixed Mortgage Rates

Rates as of

30 Year Fixed

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20 Year Fixed

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15 Year Fixed

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10 Year Fixed

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See Payment Examples

Additional Resources

FAQs

What is the difference between a fixed-rate and an adjustable-rate mortgage?

The difference between a fixed-rate and an adjustable-rate mortgage lies in the interest rate for the loan. For a fixed-rate mortgage, the interest rate is set when you take out the loan and will not change. The fixed interest rate allows borrowers a measure of predictability. With an adjustable-rate mortgage, the interest rate may increase or decrease. The borrower assumes the risk of interest rate increases in exchange for lower initial rates and lower initial mortgage payments.

Does Bethpage offer a fixed-rate mortgage for refinance?

Yes, Bethpage offers fixed-rate mortgage options for both purchase and refinance transactions.

Can I pay a fixed-rate mortgage off early?

Yes, you can pay off your Bethpage Fixed-Rate Mortgage any time without any pre-payment penalties.

How much can I afford?

By completing a loan application, a Bethpage Mortgage Loan Officer can help you determine the mortgage amount that you can afford. Or, you can get a ballpark idea using our home affordability calculator.

What documentation will be needed to obtain a mortgage?

The documentation you will need to obtain a mortgage includes:
- Most recent pay stubs covering the last 30-day period
- Past two years of W-2 Forms from all employers (current & previous)
- 2 most recent bank statements (all pages). Include all accounts used for transaction
- Past 2 years of Federal Tax returns (1040 Form) with all pages and schedules (if applicable, self-employed/rental income/retirement income)

Additional items you will need when purchasing a home:
- Your attorney’s contact information
- Your realtor’s contact information
- Copy of fully executed and dated Contract of Sale

As you go through the process, additional documentation may be needed.

How can I start my application?

To start your application online, click here. Or, you can visit your local branch or call 1 (855) 971-0764 to be connected with a Bethpage Mortgage Loan Officer.

[1] The rates displayed are subject to change without notice. Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement. All offers are subject to credit approval; applicants may be offered credit at higher rates and other terms. All programs may not be available to all applicants. All applicants must meet loan program requirements. Only 30-Year Fixed program offered on Investment Homes. Products are subject to change without notice, limitations may apply. Loan to value restrictions may apply. Bethpage does not offer residential mortgage loans in Texas. Membership is required and requires a $5 share account.

Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.

[2] APR = Annual Percentage Rate.

[3] All calculations received by using the calculator tools on this page are estimates only.

* Free rate lock good for 60 days.

Fixed-Rate Mortgages