[1] Fixed rate terms of 10, 15, 20, or 30 years have 120, 180, 240, or 360 monthly payments, respectively.

[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

[3] The Interest Rate, APR, and Monthly Payment assumes the property is an existing single-family home used as the borrower's primary residence, a Loan to Value (LTV) ratio of 75% or less on a purchase mortgage, or an LTV of 60% or less on a refinance mortgage, and a credit score of 740 or above. The Monthly Payment is the principal and interest payment only; it does not include amounts for taxes, nor insurance (actual payments will be greater). The amount of each payment will apply over the term of the loan (see Footnote 1).

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% LTV may require 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 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.

Calculators are provided as a courtesy and results are estimates only. Your rate and payment may differ depending on various factors. State and County lending limits may also apply. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.

[1] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

The payment example assumes the property is an existing single-family home (used as the borrower's primary residence), a loan with 0.00 points, an LTV of 75% or less on a purchase mortgage, an LTV of 60% or less on a refinance mortgage, and a credit score of at least 740.

Adjustable Rate Mortgage (ARM) rate and payments may increase after consummation of the loan.

Interest Only (I/O) option available on ARM programs only. Payments during I/O periods do not reduce principal. Additional terms and conditions apply.

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) may require 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 apply.

[1] Fixed rate terms of 15 and 30 years have 180 and 360 monthly payments, respectively.

[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

[3] The Interest Rate, APR, and Monthly Payment assumes the property is an existing single-family home used as the borrower's primary residence, a Loan to Value (LTV) ratio of 75% or less on a purchase mortgage, or an LTV of 60% or less on a refinance mortgage, and a credit score of 720 or above. The Monthly Payment is the principal and interest payment only; it does not include amounts for taxes, insurance, nor mortgage insurance* (actual payments will be greater). The amount of each payment will apply over the term of the loan (see Footnote 1). *FHA loans require an upfront Mortgage Insurance Premium (MIP) at loan consummation, and generally require monthly MIP for the term of the loan. Please contact a Bethpage loan officer for more information.

All loan terms are subject to credit approval and FHA loan program/eligibility requirements (applicants may be offered credit at higher rates and an FHA loan may not be available to all applicants as set forth by FHA guidelines).

Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required by opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.

Calculators are provided as a courtesy and results are estimates only. Your rate and payment may differ depending on various factors. FHA, State, and/or County lending limits may also apply. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.

Bethpage is not acting on behalf of or at the direction of HUD/FHA or the Federal government.