Disclosures, Assumptions, and Additional Information
 ARM loans are variable rate loans, where interest rates and payments may increase after consummation. A 5/1 ARM has an initial fixed interest rate for the first 5 years (7 years for a 7/1 ARM, and 10 years for a 10/1 ARM), then adjusts every year thereafter based on an index, plus a margin. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.
 APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
 Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assumes the mortgage is a conforming loan to purchase an existing single-family home used as the borrower's primary residence, a Loan to Value (LTV) ratio of 75% or less, the borrower has excellent credit, a loan amount of $165,000, and a 30-year loan term. The Estimated Monthly Payment reflects the principal and interest payment only, which does not include amounts for taxes, nor insurance (actual payments will be greater).
 Since the index value in the future is unknown, the adjusted interest rate shown is based on the current index, plus a margin, which is then rounded to the nearest one-eighth percent ("Fully Indexed Rate") as of . The index used in this example is the U.S. 1 Year Treasury Rate, as published in the Wall Street Journal, plus a margin of 2.5%. At adjustment, the new interest rate will be based on the then current index, plus a margin, and subject to annual and lifetime adjustment caps. This estimate is not a guarantee of future rates or payments due under the loan.
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required by opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
Estimates are provided as a courtesy only. Your rate and payment may differ depending on various factors. State and County lending limits may also apply. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.