NOVEMBER 2018 • LONGISLANDPRESS.COM 21
Let Bethpage help
with your dream home.
HOME EQUITY LINE OF CREDIT
• Great introductory rate for 12 months*
• NO closing costs**– a savings of up to $7,500
• NO application or appraisal fees
• Fixed-Rate Loan Option available***
• FREE 60-day rate lock
• Purchase or refinance
• Fixed and adjustable rate mortgages
• FREE pre-qualification
Everyone can bank at Bethpage.∞
Stop by your local branch, or visit lovebethpage.com.
*The introductory rate is effective for 12 months for loans with a maximum 75% Loan-to-Value (LTV), and for members who take an initial draw of $25,000, maintain this balance for 12 months, and have
automatic transfers from a Bethpage personal savings or checking account for the monthly payments on the HELOC account. The introductory rate only applies to loans that have not had an introductory rate
within the past five years. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers
from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. **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 rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult a tax professional regarding the potential tax deductibility of your interest payments
and charges. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by
real property; flood insurance may also be required. ***A Fixed-Rate Loan Option allows you to convert outstanding balances to a fixed rate. Fixed-rate conversion is optional. Minimum amount is $10,000.
Borrowers may have three (3) fixed-rate conversions open at one time. †All offers are subject to credit approval. All loan programs may not be available to all applicants. All applicants must meet loan program
requirements. Adjustable rate mortgage may be increased post consummation of the loan. Products subject to change without notice. Limitations may apply. The Pre-qualification letter is made for the personal
benefit of the borrower(s) only. Rates can be locked only after your completed loan application is received. Bethpage does not offer first mortgage loans in Texas.
∞Membership requires a $5 minimum share account.
From MONEY® Magazine, November 2017 © 2017 Time Inc. Used under license. MONEY® and Time Inc. are not affiliated with, and do not endorse products or services of, Bethpage
Federal Credit Union.