Fixed-Rate Mortgages

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See Today's Fixed Mortgage Rates:
30, 20, 15, and 10-year terms

Rates as of --/--/----


Bethpage presents today's fixed mortgage rates with versatile options, including 30, 20, 15, and 10-year terms. Experience stability and budgetary control with fixed rates, ensuring consistent monthly payments tailored to your preferred timeframe. Whether you're looking for long-term predictability or a shorter repayment period, Bethpage's fixed mortgage rates cater to diverse financial goals, providing flexibility and security for homeownership.

30 Year Fixed Mortgage Rates
(Rates assume a NY property)

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20 Year Fixed Mortgage Rates

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15 Year Fixed Mortgage Rates

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10 Year Fixed Mortgage Rates

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Why a Bethpage Fixed-Rate Mortgage?

Fixed-rate mortgages come in a variety of lengths, also known as terms. 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.*

Fixed-Rate Mortgage Calculator

Bethpage's Fixed-Rate Mortgage Calculator empowers prospective homeowners to make informed financial decisions by estimating monthly payments and total loan costs.

Fixed-Rate Mortgage 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.

Can I refinance a fixed-rate mortgage?

Yes, you can refinance a fixed-rate mortgage with Bethpage. Refinancing allows you to adjust the terms of your existing mortgage, potentially securing a lower interest rate, changing the loan term, or accessing equity in your home.

How can I qualify for a fixed-rate mortgage?

To qualify for a fixed-rate mortgage, you typically need a stable income, a good credit score, and a satisfactory debt-to-income ratio. Lenders assess your financial health to determine your eligibility for a fixed-rate loan.

What is the typical term for a fixed-rate mortgage?

The typical term for a fixed-rate mortgage can vary but commonly includes 10, 15, 20, or 30 years. Choosing the term depends on your financial goals and how quickly you want to pay off your mortgage.

How does a fixed-rate mortgage work?

In a fixed-rate mortgage, your interest rate remains constant throughout the loan term. This provides predictability in monthly payments, making it easier to budget. The principal and interest portions of your payment stay the same, providing stability over the life of the loan.

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 fixed rate mortgage can I afford?

By completing a loan application, a Bethpage Mortgage Loan Officer can help you determine the mortgage amount that you can afford.

What documentation will be needed for a fixed-rate 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.