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Rates subject to change without notice
Conforming Loan amounts up to $726,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here
Conforming | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Conforming | 30-Year Fixed New Construction – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Conforming | 15-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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Conforming | 10-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance with on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, one and a half points, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 10-year fixed rate mortgage transactions have 120 monthly principal and interest payments.
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Conforming | 30-Year Fixed – Second Home Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed, has a minimum of a 740 FICO credit score, one and a half points, 75% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Conforming | 30-Year Fixed – Investment Property Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on a non-owner-occupied single family residence in Florida, borrower is not self-employed, has a minimum of a 740 FICO credit score, one and a half points, 75% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Conforming Down Payment Assistance | DPA 30-Year Fixed – First & Second Mortgage
Disclosed rate assumes a $300,000 purchase loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, no points 101% loan to value with subordinate debt. If DPA program requirements are not met, you may not qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Asset Depletion | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 740 FICO credit score, two points, verified assets are used as income, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Bank Statements | 30-Year Fixed – First Mortgage | 24 Months Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 740 FICO credit score, two points, 24 months of personal bank statements, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Bank Statements | 30-Year Fixed – First Mortgage | 12 Months Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 740 FICO credit score, two points, 12 months of personal bank statements, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Bank Statements | 30-Year Fixed – First Mortgage | 3 Months Personal Statements
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 740 FICO credit score, two points, 3 months of personal bank statements, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Condotel | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, two points, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Foreign National | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an second home single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, two points, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Jumbo | Non-Conforming 15 and 30-Year Fixed $647,200 to $5,000,000 – First Mortgage
Disclosed rate assumes a $900,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, three quarters of a point, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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No Tax Return Loan | 30-Year Fixed – First Mortgage
Disclosed rate based on a 30 year fixed-rate mortgage of $350,000, rate and term refinance loan on an owner-occupied single-family residence in Florida, with no subordinate debt, and the appraised value of the subject property sets the loan-to-value (LTV) to a maximum of 60%, two points, borrower has a 740 FICO score, debt-to-income ratio of less than 43%, owns no other properties, is a U.S. Citizen and at least one borrower is self-employed. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval including, but not limited to, verification of acceptable income, assets and collateral. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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Non-Warrantable Condo | 30-Year Fixed – First Mortgage
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is self-employed and owns no other properties, minimum 740 FICO credit score, two points, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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FHA | 30-Year Fixed
Disclosed rate assumes a $300,000 purchase loan with 1.750 percent borrower paid up-front mortgage insurance premium and .85 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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FHA New Construction | 30-Year Fixed
Disclosed rate assumes a $300,000 purchase loan with 1.750 percent borrower paid up-front mortgage insurance premium and .80 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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FHA High Balance | 30-Year Fixed
Disclosed rate assumes a $350,000 rate and term refinance loan with 1.750 percent borrower paid up-front mortgage insurance premium and .850 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 96.50% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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USDA | 30-Year Fixed
Disclosed rate assumes a $300,000 rate and term refinance loan with 1.00 percent borrower paid up-front guarantee fee and .35 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 101.00% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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USDA New Construction | 30-Year Fixed
Disclosed rate assumes a $300,000 rate and term refinance loan with 1.00 percent borrower paid up-front guarantee fee and .35 percent monthly mortgage insurance premium on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, one and a half points, 101.00% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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VA | 30-Year Fixed
Disclosed rate assumes a $300,000 purchase loan with a 3.300 percent VA Funding Fee on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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VA New Construction | 30-Year Fixed
Disclosed rate assumes a $300,000 purchase loan with a 3.300 percent VA Funding Fee on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, one and a half points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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VA IRRRL | 30-Year Fixed
Disclosed rate assumes a $300,000 interest rate reduction refinance loan, no cash-out with a .500 percent VA Funding Fee on an owner-occupied single family residence, borrower is not self-employed and owns no other properties, minimum 700 FICO credit score, no points, 100% loan to value with no subordinate debt. Impounds for taxes and insurance required. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
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1 Year Tax Return | 30-Year Fixed
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, two points, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.
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1 Year Tax Return | 15-Year Fixed
Disclosed rate assumes a $350,000 rate and term refinance loan on an owner-occupied single family residence in Florida, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, two points, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments.
Click here to see what is my rate & payment.
Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call 888-259-2257 for details.
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Equal Housing Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:
Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000
Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint
Fair Lending Policy
It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Fidelity Home Group does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.
At Fidelity Home Group, we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.
The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call 888-259-2257 for details.
——–
Equal Housing Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:
Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000
Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint
Fair Lending Policy
It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Fidelity Home Group does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.
At Fidelity Home Group, we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.
The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Annual Percentage Rate (APR): Total yearly cost of the loan which includes the interest rate and other prepaid finance charges.
Conforming Mortgage: A conforming loan meets, or conforms to, the underwriting guidelines used by Fannie Mae and Freddie Mac. These two organizations, along with FHA establish the minimum acceptable criteria for home loans in the United States.
Discount Points: A prepaid cost to the lender at closing to lower your mortgage interest rate. One point is equal to one percent of the loan amount. (For example: 1 point on a $100,000 loan would cost $1,000).
Escrow: Refers to an account held by the lender into which the homebuyer deposits money for tax or insurance payments.
FICO Credit Score: FICO is the abbreviation for the Fair Isaac Corporation. Each borrower is issued three FICO credit scores provided by three major credit reporting agencies: Equifax, Experian and TransUnion. FICO Credit Scores range from 300-850 and are based on your credit payment history, amounts owed, length of history, new credit and types of credit used. The higher your score, the better your FICO rating.