Home is a place to raise a family and keep them safe and secure. That's why buying your home is a big decision. So when you are ready to make ownership a reality you need someone to guide you through the process, someone you can trust – a real expert. At Fidelity Bank, our mortgage consultants will work hard to help you figure out how much you can afford, help you choose the best terms, and find the right mortgage program to fit your individual needs. Best of all, we guarantee you’ll have a loan approval within just 3 business days.* Fidelity Bank has put more local people in more local homes than any other bank in the area – let us help you to become a homeowner.
The First Time Homebuyer program provides funds in the form of a forgivable, deferred-payment loan to income-eligible, first-time homebuyers who wish to purchase a home in NEPA. These funds assist the homebuyer with his/her down payment and closing costs. Let our Mortgage Consultants help you determine if this program or one of our other mortgage options might be right for you.
An FHA loan is a home loan that is insured by the Federal Housing Administration. Designed to promote home ownership, FHA loans make it easier for people to qualify for a mortgage. In general, these loans allow borrowers to buy a home with a relatively small down payment.
Fidelity Bank is able to offer qualifying customers access to the best mortgage products in the marketplace today through mortgage loan programs such as the Federal Home Loan Bank (FHLBank) First Front Door (FFD) Program. This program addresses the funding needs of low-income homebuyers and may provide qualified homebuyers with a grant in which the FHLB will match 3 to 1 up to $5000 for down payment and closing costs. (Program is subject to annual availability.)
A VA loan provides 100% financing for qualified veterans, reservists, active duty personnel, or eligible family members. It doesn’t require a down payment or any mortgage insurance, unlike an FHA loan. This type of loan does carry a one-time variable funding fee.
A USDA Loan provides 100% property financing for qualified rural properties based on location. Find out if a property is eligible through USDA.com.
* 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 $484,350.00. Not a guarantee for an extension of credit. Please see a Fidelity Banker for more details.
My husband and I recently purchased our dream home and financed it through Fidelity Deposit & Discount Bank. Fidelity's Mortgage Consultant went out of his way to make sure this busy, crazy time ran very smoothly.