Fixed-Rate Mortgages

Fixed payments to budget with confidence.

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Why a Bethpage Fixed-Rate Mortgage?

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.*

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

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

30 Year Fixed Mortgage Rates

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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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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.

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. Or, you can get a ballpark idea using our home affordability calculator.

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.