Discover how refinancing can help you reach your financial goals. Whether you’re seeking lower rates or looking to tap into your home’s equity, we have options to suit your needs.

Our Fidelity Bank Mortgage Consultants are some of the most experienced and knowledgeable in the industry, committed to making your home buying or refinancing experience the very best. With help from our lenders, you can find the loan that works best for you, during the hours that work for your schedule.

The Fidelity Bank Mortgage App provides a quick and streamlined loan application process. Our app will guide you through your loan application, and keep you up-to-date through every step of the mortgage process.

Our Mortgage Consultants are here to help, working hard every day to find the best loan for your unique needs, with guaranteed loan approval in three business days.*

Traditional Refinance

Lower your monthly payments or shorten your mortgage term with a traditional refinance. This option is ideal for homeowners looking to save on interest rates or pay off their homes sooner.

Discover Today’s Refinance Rates

Refinancing could make sense if current interest rates are lower than when you locked in your mortgage. Stay updated with the latest rates to decide if refinancing is right for you.

Cash-Out Refinance

What is a Cash-Out Refinance? A cash-out refinance involves replacing your existing mortgage with a new one for a larger amount than what you currently owe on your home. The difference between your new mortgage balance and your previous mortgage balance is paid out to you in cash at closing. This provides a unique opportunity to utilize the equity you’ve accumulated in your home for other financial needs or investments.

Benefits of Cash-Out Refinancing:

  • Financial Flexibility: Access to cash that can be used for home improvements, tuition, debt consolidation, or other significant expenses.
  • Potential Tax Advantages: Interest paid on your refinanced mortgage may be tax-deductible, although you should consult with a tax advisor.
  • Competitive Interest Rates: Typically, cash-out refinancing can offer lower interest rates compared to other types of loans, making it a cost-effective way to borrow money.

At Fidelity Bank, we understand that each homeowner’s situation is unique. That’s why we offer personalized service to help you navigate your refinancing options, ensuring you make the best decision to fit your financial goals. Whether you’re looking to cover a major expense or simply improve your financial situation, our team is here to guide you every step of the way.

Explore Home Equity Loans and Lines of Credit

If you’re not interested in refinancing but need funds for major purchases, consider a home equity loan or line of credit. These options are great for funding ongoing projects or single expenses. Here’s a brief overview:

Home Equity Loan: Ideal for one-time expenses. Offers fixed interest rates and predictable repayment schedules, with terms of up to 30 years.

Home Equity Line of Credit (HELOC): Perfect for ongoing access to funds. Typically offers lower rates than credit cards, flexible repayment options, and an option to lock in a fixed rate.

Refinance Resources and Tools

To help you determine if refinancing is suitable for you, we offer a mortgage refinance calculator and various resources on home improvement tips.

Need help?

For more information or questions, please contact us by phone at 1-800-388-4380 or email us at

* Guarantee of loan decision is within three (3) business days pending receipt of complete loan application including signatures of all borrowers, signed disclosures, and all necessary financial information. Restrictions apply on loans greater than $766,550.00. Not a guarantee for an extension of credit. Please see a Fidelity Banker for more details.

Take the next step with Fidelity Bank’s refinancing and see how it can benefit you and your family. Explore our home improvement loans and calculate your home improvement costs today.