Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (888) 259-2257
Apply Now

 

View Loan Assumptions
 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

Mortgage Programs

Your Mortgage Concierge 

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

Fidelity Home Group Mortgage Programs

Fidelity Home Group is here to help you find the financing for your home purchase that’s best for you—whether you’re just starting out, tired of renting or upgrading to your dream home in Florida. With free pre-approvals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 


Self-Employed or Business Owner Mortgage Programs

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.

Condo Mortgage Programs

Condominiums are classified as Warrantable, Non-Warrantable or a Condotel. Condos are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them. Unit owner pays property taxes only on his or her unit, and may mortgage, rent, or sell it just like any other personal property.

Coop/Co-op, which is also known as a cooperative share (or cooperative housing), is a multi-family housing complex that is owned by a corporation.  Learn more about our Coop/Co-op mortgage financing.


Mortgage Loan Programs

Construction Mortgage Programs

Our New Construction Programs is a one-close construction loan:

  • 70% LTV with no requalification required post-construction
  • 90% LTV option with requalification required post-construction
  • Simple and flexible draw process with no set schedules

Conforming Mortgage Programs

Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:

FHA Mortgage Programs

Federal Housing Administration mortgages have flexible lending standards to benefit:

  • Minimum Down Payment of 3.5%.
  •  Minimum score of 620.
  • Homebuyers with small down payments and refinancers with little equity.

Jumbo Mortgage Programs

Jumbo mortgages for 2022 are home loans that exceed conforming loan limits of $647,200. A jumbo loan is one way to buy a high-priced or luxury home:

  • Credit scores as low as 680 may qualify
  • Buy a home with as little as 10% down payment
  • Loan amounts up to $5,000,000

Renovation Mortgage Programs

Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Available for FHA or Conforming:

  • One Loan: The loan covers the purchase plus renovation costs
  • Renovation work can begin immediately
  • Simplicity: Just one application, one closing, and one monthly payment

Portfolio Mortgage Programs

Portfolio Mortgages also known as Non-QM loans are great for our clients that do not fit into the usual mortgage options. This is great for clients that are Self-Employed, Business Owners, etc… Programs include:

  • Bank Statements Program
  • Asset Qualifier / Asset Depletion Program
  • One Year Tax Return

Veterans [ VA ] Mortgage Programs

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as $0 down
  • Certificate of Eligibility
  • VA loans were designed to offset common financial challenges

USDA Mortgage Programs

Federal Housing Administration mortgages have flexible lending standards to benefit:

  • People whose house payments will be a big chunk of take-home pay.
  • Borrowers with less than perfect credit scores.
  • Homebuyers with small down payments and refinancers with little equity.

Investment Mortgage Programs

Thinking of buying an additional property for a new source of income? Consider an investment home with the option of long or short terms rental income:

  • Minimum down payment of 15%
  • Minimum credit score 700
  • Debt to income ratio under 43%

Second Home Mortgage Programs

Second Home Mortgages | Vacation Home Mortgages

Buying a second home or vacation home is a dream for many Americans. It is occupied by the owner some portion of the year and is a good decision for retirement:

  • Minimum down payment of 10%
  • Minimum credit score 680
  • Debt to income ratio under 43%

   


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