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Refinance your mortgage

Take advantage of our great rates and lower your monthly mortgage payments with Bethpage today. We are here to help.
Start the refinance process

Today's Refinance rates

Take advantage of Bethpage's competitive rates
30 Year Conventional Fixed Rate
Rate [1]
APR [2]
See Payment Examples
10/1 ARM
Rate [1]
APR [2]
See Payment Examples

Looking to fill out an application yourself?

If you are ready to apply online now, here's some information before you get started:

  • The online mortgage application usually takes 15-20 minutes
  • Easy online payment methods
  • Recurring payment schedule
Start An Application

Do you have a Mortgage in progress?


You can check on the status of your loan application, view any to-do’s, and much more in our Borrower Center.

Helpful home loan resources suggested for you. Find out more about home mortgages, home finance, loans and more.

Mortgage options to fit your refinancing needs.

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.
Finance a home with less money down and a less restrictive approval process than a traditional mortgage.
Pay less interest with a short-term fixed loan. (View payment examples)
Make a smart investment, whether for rental or resale.

Explore the most commonly-asked refinance questions.

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:

  • 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.

Bethpage offers a free 60 day rate lock! [4]

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.

[1] 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.

[2] APR = Annual Percentage Rate.

[3] All calculations received by using the calculator tools on this page are estimates only.

[4] Free rate lock good for 60 days.