Interest rates and APRs are based on current market rates, are for informational purposes only, are subject
to change without notice and may be subject to pricing add-ons related to property type, loan amount,
loan-to-value, credit score and other variables - call for details. This is not a credit decision or a
commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage
insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be
available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking
into account such items as interest, most closing costs, discount points (also referred to as "points"), and
loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your
monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage
(ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly
payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down
payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are
for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no
warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied
warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole
risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or
related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or
punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is
aware of the possibility of such damages.
I am a Senior Mortgage Loan Officer with Bethpage Federal Credit Union. For more than 10 years, I have been the go-to loan officer for thousands of satisfied clients and Realtors in New York and across the country. While the mortgage industry is much different today when I started, my philosophy remains the same: treat each client as if I am going to be working with them for life, not just on one mortgage.
I work with a variety of homeowners from first-time buyers to those downsizing in their later years. I am frequently asked to handle refinances from prior customers because they know that I am knowledgeable on the dozens of loan programs available. I educate my clients about their options so that they can make informed decisions that will give them financing tailored to their needs.
My goal is to make the mortgage process an easy and seamless one and the Bethpage Federal Credit Union Company’s local processing, underwriting, and closing help ensure this result.
In my career, I have closed more than a billion dollars of mortgage loans. Let me put my experience to work for you.
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.