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 Rates subject to change without notice

 Conforming Loan amounts up to $647,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Florida Mortgage Programs


Not everyone needs home financing, but most of us do. Obtaining home financing is a complex process with many steps. Choosing the home financing program can be very costly to a home buyer if the right decisions are not made. 

  • Interest rate: The interest rate is the percentage of your loan amount we charge you to borrow money.
  • Discount points: One point equals 1% of your mortgage amount. Points may lower your interest rate.
  • Lender Closing Costs: These fees, other than discount points, that are involved are charged to complete the mortgage. The fees such as credit report, flood determination, tax service, processing, underwriting and MERS.
  • Other Closing Costs: These fees are charged by the attorney, title company, state, city and county for the transaction. other than discount points, that are involved are charged to complete the mortgage. The fees are such as title settlement agent, title insurance, title endorsements, mortgage recording, stamps, and mortgage tax.
  • Loan term: Your loan term is the amount of time you have to pay off your mortgage balance. Shorter loan terms typically mean higher monthly mortgage payments, but often have lower interest rates and thereby end up costing you less money overall.

BUYING A HOME

Purchasing your first home? Buying a second home or investment property?

If you’re looking to make some updates, remodel a fixer-upper or starting from the ground up, we can help you create your dream home. Find the information, resources, and financing you need to get moving on your project.

Becoming a homeowner comes with a lot of rewards, as well as added responsibility. Deciding to make such an important purchase is specific to your lifestyle. Here are some benefits and considerations you should discuss with your Home Buyer Expert before you begin the home buying process.


Benefits of homeownership:

  • Build Wealth  Although home value may increase or decrease short term, if you decide to stay in your home long term, it could gradually increase in value. This would provide you with a significant return on your investment.
  • Build Equity  Equity is the amount of money your house is worth minus what you still owe. Every time you make a mortgage payment, the amount you owe reduces and increases overall equity. This is beneficial, because equity can be accessed and converted to cash. 
  • Tax Deductions  As a home owner, your mortgage interest and property tax payments may be deductible from your federal taxes and possibly state taxes.*
    *Consult a tax professional for more information.
  • Strengthen Credit History  Making monthly loan payments is evidence that you are a responsible borrower, which builds your credit history. This will help you take out loans for other purchases, such as a car or even home renovations.
  • Create the Home You Want  Owning a home gives you the freedom to create your dream living environment. Whether you want to update appliances, paint rooms, landscape a yard, own pets – you will have a house that is completely yours to customize.
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See How Much You Can Borrow

You’ve estimated your affordability, now get pre-qualified by Fidelity Home Group to find out just how much you can borrow.

Get Pre-Qualified

Buying your first home? Building a new home? Making improvements to your existing home?

Your home is one of the biggest investments of your life. At Fidelity Home Group, we understand the care and achievement involved in making a house your home, which is why we offer concierge services for every client.

Whether you’re a new home buyer, or you have purchased a home before, it’s important to evaluate what type of mortgage fits your lifestyle. Your Home Buyer Expert will help you consider your goals as a homeowner and provide the best financing solution. Let us help you better understand the process and options.

 

   


Copyright © 2022 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Fidelity Home Group is a Mortgage Corporation serving the state of Florida. Not intended for legal or financial advice, consult your own professionals if such advice is sought. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties in the state of New York will be accepted through this site. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  File a Complaint Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use