How does the HELOC application process work?

Unlock the equity in your NEPA nest egg and make those Lehigh Valley dreams a reality with a Home Equity Line of Credit (HELOC) from Fidelity!

First: Gather your documentation:

  1. Employment and income history: Current and former employment information.
  2. Other Income sources: Add any additional sources of income that you would like to be considered for your loan, such as military pay, social security, etc.
  3. Real estate information: Assets to be considered in the loan process.
  4. Financial accounts: Investment assets, bank, retirement, or other financial accounts you have.
  5. Gifts & grants: Gifts and grants come from family members, friends, state agencies, or nonprofits and are essentially money to put towards your down payment.
  6. Other assets: Other assets that you would like to be considered for your loan, such as proceeds from a real estate sale, secured borrowed funds, etc.
  7. Liabilities: Your liabilities or debts are things you pay monthly and are usually a set amount like child support or alimony. No need to add credit card debts, student loans or car payments. We’ll add those when we pull your credit.

Second: Start the process! Here’s what to expect:

  1. Apply online: Your secure application takes just 15 minutes, with no obligation and no cost.
  2. Appraisal Processing: Your Fidelity banker schedules an appraisal of your existing property to determine its value.

  3. Application Approval: A Fidelity Banker reviews your application and documentation.
  4. Appraisal Approval: The appraisal has been received and reviewed.

  5. Clear to Close: All approval conditions have been cleared and we are ready to schedule a closing.

  6. Closing: Your closing is scheduled, and we are excited to complete your loan.


Plus, managing your account is a breeze with our top-rated Mobile Banking app and Online Banking. Stay on top of things, make payments, and enjoy the flexibility a HELOC offers, all from the comfort of your home!

Ready to turn your home equity into opportunity? Apply today and Experience the Exceptional at Fidelity Bank!