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BESTOFLI2016

LET YOUR HOUSE PAY FOR YOUR 2.99%APR* Celebrating *APR = Annual Percentage Rate. For one year, Prime for life, thereafter. †Home Equity rates and terms accurate as of 01/01/16 and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. Above estimated savings in closing costs are based on a $500,000 loan and actual savings may vary. Closing costs paid by Bethpage must be repaid by the borrower(s) if line is closed within first 36 months. HELOC is a variable rate product with a maximum APR of 18%. The introductory rate is 2.99% APR for 1 year for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for one (1) year, and have automatic transfers from any Bethpage account for the monthly payment on the account. Published rates and terms based on primary homes. New HELOCs only. Borrower(s) who do not take the initial draw of $25,000 at closing will not be eligible for the introductory rate. The introductory rate only applies to loans that have not had an introductory rate within the past five years. Introductory rate can be obtained at any time if the borrower pays a modification fee and meets qualifying criteria. Consult your tax advisor regarding deductibility of mortgage interest. Prime rate as of 12/16/2015 = 3.50%. Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants and are not eligible for the discounted introductory rate at any time and the borrower(s) will be responsible for all closing costs related to loan value over $500,000. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. BESTOF.LONGISLANDPRESS.COM /// WINNERS GUIDE BETHPAGE BEST OF L.I. 2016 79 THANK YOU FOR VOTING US BEST SEAFOOD RESTAURANT Anchor Down Seafood Bar and Grill 1960 Bayberry Ave., Merrick, NY 11566 (516) 544-4334 • anchordownny.com FEDERALLY INSURED BY NCUA GETAWAY HOME EQUITY LINE OF CREDIT† Fixed for 1 year. Prime for life, thereafter. • No closing costs • No application fee • Lines up to $500,000 75 YEARS If you live or work on Long Island you can bank at Bethpage. lovebethpage.com | 855-445-8570 TANY 27366 Best of LI Winners Announcement Quarter Page Ads_HELOC v2.4.indd 1 1/22/16 share the love. Nominate your favorite business for the Bethpage Best of LI Awards. bestof.longislandpress.com


BESTOFLI2016
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