New American Funding Mortgage vs. Bethpage Federal Credit Union HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Full review →Bethpage Federal Credit Union HELOC
Bethpage Federal Credit Union
4.5
Credit union HELOC with a rare 12-month fixed intro rate, no closing costs, and lines up to $1M.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. Bethpage Federal Credit Union HELOC may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
Bethpage Federal Credit
APR Range
6.40% – 8.30% Best
6.99% – 10.99%
Loan Amount
$75,000 – $3,500,000 Best
$10,000 – $1,000,000
Term Length
120–360 months
120–240 months
Origination Fee
Varies; competitive on FHA and non-QM
No closing costs; no annual fee
Min Credit Score
580+ Best
670+
Funding Speed
21–30 days
2–3 weeks
New American Funding Mortgage
Bethpage Federal Credit Union HELOC
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