Take advantage of our great rates and lower your monthly mortgage payments with Bethpage today.
Speak with a Home Lending Specialist
Take a moment to get the process started and we will contact you to discuss your options.
Apply Now using the Online Application
Complete your application online. You will receive an email with pre-approval information and a lending specialist will follow up with you.
Take advantage of Bethpage's competitive rates:
Rates as of 4/23/2020
-.--% Rate 
-.--% APR 
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.
Results shown are estimates for illustrative purposes only and are not guaranteed. What you actually pay may
be different. Mortgage loans greater than 80% Loan-to-Value (LTV)
generally require Private Mortgage Insurance (PMI), which is not reflected in the payment above.
If you are ready to apply online now, here's some information before you get started:
Rather work with a specialist? Get Started
You can check on the status of your loan application, view any to-do's, and much more in our Borrower Center.
Learn about the benefits of refinancing
Start my application
Lock in my mortgage rate
What does it mean to refinance your home? Learn more about refinancing options with Bethpage and which may be best for you.
We discuss tips on how to pay off your mortgage faster and explain the differences between refinancing vs loan modification.
Make consistent monthly payments for the life of the loan.
Start with a lower initial interest rate and monthly payments.
Receive a higher loan amount for more expensive homes.
Pay less interest with a short-term fixed loan.
Finance a home with less money down and a less restrictive approval process than a traditional mortgage.
Make a smart investment, whether for rental or resale.
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.
Yes, you can pay off your Bethpage Fixed-rate Mortgage any time without any pre-payment penalties.
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.
The documentation you will need to obtain a mortgage includes:
Additional items you will need when purchasing a home:
As you go through the process, additional documentation may be needed.
Bethpage offers a free 60 day rate lock! 
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.
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 5/1 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.
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.
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.
 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.
 APR = Annual Percentage Rate.
 All calculations received by using the calculator tools on this page are estimates only.
 Free rate lock good for 60 days.