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All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Loans above 80% LTV may require private mortgage insurance (PMI). Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Bethpage does not offer residential mortgage loans or HELOCs in Texas. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.