FHA Mortgage Loans
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FHA Mortgage Features and Benefits
At Bethpage, we offer a wide selection of mortgage options, and we’re here to help you find the one that’s right for you. If you’re looking to finance a home with less money down and a less restrictive approval process than a traditional mortgage, a Bethpage FHA Mortgage Loan could be right for you.
- Less restrictive credit score requirements
- Low closing costs
- Great option for first-time homebuyers
Buy a primary residence with as little as 3.5% down
- Gift funds are acceptable
- Seller and lender contributions are allowed
- Refinance up to 97.75% of your primary home’s value
Bethpage offers competitive rates and low fees on 15 and 30 year FHA Mortgages, and we're committed to delivering exceptional member service every step of the way — from application through closing. See Additional Disclosures and Information.
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FHA Mortgages vs. Conventional Mortgages
FHA Mortgage FAQs
What size down payment do I need?
You can get an FHA Mortgage Loan with a down payment as low as 3.5 percent of the purchase price.
Can my down payment be gifted for an FHA Mortgage Loan?
Yes, down payment funds for an FHA Mortgage Loan can be gifted by a relative, close friend or other approved donor.
Where can I find Bethpage’s current mortgage rates?
Does Bethpage offer an FHA Mortgage Loan for a refinance?
Yes, Bethpage offers FHA Mortgage Loans for both purchase and refinance.
Are FHA Mortgage Loans just for first-time homebuyers?
While FHA Mortgage Loans are ideal for first-time homebuyers, people who have owned a home in the past can also take advantage of the program.
Can I buy an investment property with an FHA Mortgage Loan?
FHA Mortgage Loans can only be used to purchase a primary residence. An investment property or a vacation home would not qualify.