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Refinance your mortgage.

Take advantage of our great rates and lower your monthly mortgage payments with Bethpage today.

Start the refinance process
See what makes us different

Today's Refinance Rates

Take advantage of Bethpage's competitive rates:

30 Year Conventional Fixed Rate

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Rate [1]

-.---%

APR [2]

7/1 ARM

-.---%

Rate [1]

-.---%

APR [2]

See all rates

Refinance Payment Calculator[3]

New Home Purchase Refinance Current Home

When working with the calculator, please remember the conforming interest rates and dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only.

Home Price
$
Down Payment
$
Term
Interest Rate
%
Principal & Interest
$954
Homeowner's insurance
$
Property tax
$
Other (HOA fees, flood)
$
Monthly Payment

$------

Results are for estimate purposes only.
Mortgage loans greater than 80% Loan-to-Value (LTV) generally require Private Mortgage Insurance (PMI).

Current Home Value
$
Loan Requested
$
Term
Interest Rate
%
Principal & Interest
$---
Homeowner's insurance
$
Property tax
$
Other (HOA fees, flood)
$
Monthly Payment

$------

Results are for estimate purposes only.
Mortgage loans greater than 80% Loan-to-Value (LTV) generally require Private Mortgage Insurance (PMI).

Do you have a mortgage in progress?

You can check on the status of your loan application, view any to-do's, and much more in our Borrower Center.

Log into Borrower Center
Application icon

Want to fill out an application yourself?

If you are ready to start the process and want to apply now, here is some information you’ll need to know:

  • A Mortgage Loan Specialist will reach out to you in less than 24 hours of submitting your application to discuss the particular details and answer any questions you may have.
  • By applying online now, you will gain access to our secure portal to upload documents and track the status of your loan.
  • The quoted interest rates and annual percentage rates (APRs) are subject to change without notice and may vary based on certain factors including but not limited to your credit score, and loan-to-value ratio.

Would you rather work with a specialist that can answer any questions throughout the process? > Get Started

Interested in refinancing?
I want to..

Helpful refinancing resources suggested for you.

Refinancing Your Mortgage

Refinancing your mortgage

What does it mean to refinance your home? Learn more about refinancing options with Bethpage and which may be best for you.

Read More
Tips for Paying Off Your Mortgage Faste

Paying off your mortgage faster

We discuss tips on how to pay off your mortgage faster and explain the differences between refinancing vs loan modification.

Read More
Check out additional refinancing resources here.

Mortgage options to fit your refinancing needs.

Fixed-Rate Mortgage

Make consistent monthly payments for the life of the loan.

Adjustable-Rate Mortgages

Start with a lower initial interest rate and monthly payments.

Jumbo Mortgages

Receive a higher loan amount for more expensive homes.

10-Year Fixed Rate Mortgage

Pay less interest with a short-term fixed loan.

FHA Mortgages

Finance a home with less money down and a less restrictive approval process than a traditional mortgage.

Investment Property Mortgages

Make a smart investment, whether for rental or resale.

Explore the most commonly-asked refinance questions.

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.

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.

Is there a fee to lock my interest rate?

Bethpage offers a free 60 day rate lock! [4]

How do I know which type of mortgage is best for me?

Many factors determine the type of mortgage that is best for you, including your current financial situation and the length of time you intend to stay in your home. At Bethpage, we offer a wide selection of mortgage options, and we encourage you to speak with a Bethpage Mortgage Loan Officer, who will help you make the most appropriate decision.

When the interest rate on an ARM adjusts, are there caps on how high it can go?

With a Bethpage ARM, there is a maximum for each adjustment and for how much your interest rate can increase over the life of the loan. For example, for our 3/1 ARM, the interest rate for each adjustment cannot increase or decrease more than 2 percent after the fixed rate period. And, the interest rate will never increase or decrease more than 6 percent for the life of the loan. Caps may vary by program.

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.

Are FHA-Insured Mortgage Loans just for first-time homebuyers?

While FHA-Insured Mortgage Loans are ideal for first-time homebuyers, people who have owned a home in the past can also take advantage of the program.

[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.

[4] Free rate lock good for 60 days.