QNE_p084

QC02162017

Long Island’s #1 credit union is now lending in Queens! Everyone can bank at Bethpage.* ADJUSTABLE AND FIXED RATE HOME MORTGAGE LOANS*** • Great rates • Flexible terms • FREE rate lock • FREE pre-approvals • For purchase or refinance Visit lovebethpage.com or call 800-628-7070 for today’s rates. HOME EQUITY LINE OF CREDIT† Fixed for one year. Prime for life, thereafter. Currently: *APR = Annual Percentage Rate. For one year, Prime for life, thereafter. †Home Equity rates and terms accurate as of 02/01/2017 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 12 months for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for 12 months, 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. If the borrower does not qualify for the introductory rate, an advance of $25,000 is required in order to avoid a rate adjustment to the non-introductory rate. Consult your tax advisor regarding deductibility of mortgage interest. **Prime rate as of 02/01/2017 = 3.75% as published in the Wall Street Journal. The floor rate is 3.25%. 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. Membership requires a $5 minimum share account. ∞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. ***Primary residence and second homes only. Rates and terms subject to change without notice. Other rates and terms available. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Principal and interest payments only. Taxes, insurance and other costs will result in a higher monthly payment. For loans greater than 80% loan-to-value, private mortgage insurance is required. Maximum loan-to-value ratio 95%, cash out refi 80%. 5% minimum down payment required on purchase transactions. Now Hiring: Mortgage Loan Officers! We’re expanding our Mortgage Originations team in Queens. Bethpage is ranked one of New York’s Best Places to Work! Call or email today: Lisa Milano HR Recruiter 516-349-4253 | lmilano@bethpagefcu.com Amanda Shatel HR Recruiter 516-349-6878 | ashatel@bethpagefcu.com • No closing costs – save up to $7,500 • No application fee • Lines up to $500,000 • Low initial draw • Convenient online applications and closings from anywhere BENEFITS YOU’LL ENJOY: • Great rates everyday • Base salary and progressive commission structure • Marketing and sales support


QC02162017
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