Loan Programs
FHA
Easy Qualification, Little Money Down
FHA (Federal Housing Authority) loans are government insured loans designed to give people with less than outstanding credentials the opportunity to own a home. At Fidelity we meet the government minimum standards unlike many big banks. Our minimum FICO® score is 530 for this product. With approved credit we require as little as 3.5% down.
Jumbo Loans
Sky is the Limit
In the United States, a jumbo mortgage is a mortgage loan in an amount above conventional conforming loan limits.
VA Loans
We understand the sacrifice that veterans and their families make. Please give us the privilege of assisting you in your home buying process.
A VA loan is a mortgage loan in the United States guaranteed by the U.S.
Department of Veterans Affairs (VA). This program is for U.S. military veterans and surviving spouses.
Construction Loans
If You Can dream It You Can Achieve It
A construction loan is any loan where the proceeds are used to finance construction of any kind.
Apply for Construction Loan
Refinance
Opportunity exists
A refinance is a loan obtained on a property that pays off its existing mortgage. May also be used to receive cash from the equity in your home or consolidate all your debt. You can refinance your current mortgage with one of our many loan options to find even more fantastic loan options, and you can feel confident in your refinancing decisions with step-by-step guidance from an experienced Mortgage Consultant
Reverse Mortgages
Freedom to Thrive
A reverse mortgage is a loan for seniors age 62 and older. We offer Home Equity Conversion Mortgage (HECM) reverse mortgage loans that are insured by the Federal Housing Administration (FHA) and non FHA reverse mortgages that allow our senior homeowner’s to convert their home equity into cash with no monthly mortgage payments
Specialized Programs
Progressive, Fair, Opportunity
- 12-24 Months Bank Statement Programs for Self Employed borrowers
- As low as 500 credit score (FICO®) products available
- One day out of bankruptcy, foreclosure, and short-sale
- Asset depletion programs for non-owner occupied subject properties
- Manufactured home financing available
- Foreign National Programs
Conforming
Fannie Mae and Freddie Mac
In the United States, a conforming loan is a mortgage loan that conforms to Government Sponsored Enterprises (GSE) guidelines. In general, any loan which does not meet guidelines is a non-conforming loan. A loan which does not meet guidelines specifically because the loan amount exceeds the guideline limits is known as a jumbo loan.