YOUR Mortgage Programs!

The perfect home for you isn’t one size fits all, and neither is home financing. A mortgage, or a refinance, should work with your lifestyle, not in spite of it. As a mortgage broker, the way we ensure that the loan you choose is a perfect fit is to provide many different home loan types options.

If homeownership is your dream, we’ll provide the financing to make it your reality. Home shopping and finding the right loan is exciting, but it can also be overwhelming. It’s important to have our team of experts on your side to help match your current financial situation with your home and lifestyle goals. 

Refinance Loans

The odds that the market conditions and your current situation are the same as when you signed your first home loan are slim to none. Refinancing is an acknowledgement that the market is different than when you first got a mortgage, and that your life circumstances may be different as well. Adjust your monthly payments and get a better interest rate with a refinance loan.

First-Time Homebuyer / Have NOT Owned a Principal Interest in a Residence in the Past 3 Years

It is a myth that all down payment assistance options are only for First-Time homebuyers.  Our Team can help determine what alternative options are available to You!

Conventional Loans

There is an incredible variety to conventional loans—from loans with great interest rates for applicants with excellent credit to flexible qualifications for those who are improving theirs, conventional loans provide many benefits for many aspiring home owners like less mortgage insurance and fewer steps to closing. 

Government Insured Loans

Homeownership is good for the economy, and as such, the government supports its citizen’s goal of buying a home through government-approved lenders like Fidelity Mortgage. We are approved for several types of government insured loans including USDA, VA, and FHA. 

USDA loans are insured by the US Department of Agriculture.  Offering ZERO down payment or 100% financing.

VA loans are insured by the Veterans Administration.  Offering ZERO down payment or 100% financing with NO monthly mortgage insurance premium. 

FHA loans are insured by the Federal Housing Authority.  Offering 3.5% down payment.  Allowing higher debt ratios and more liberal credit history.

Jumbo Loans

For folks with big dreams for their homes and the means to achieve them, jumbo loans offer great financing terms. Similar to a conventional loan but with a few key differences, jumbo mortgages are your key to financing your castle in a higher cost area.