There are multiple ways to apply for a loan, using the method most convenient for you. You can have a total digital experience starting with our app, or you can have as much guidance as you would like with the assistance of one of our mortgage consultants. Purchasing a home is a very personal journey and we are here to help as much as needed.
There are several mortgage programs available and selecting the right program is vitally important to your long term financial health. To determine which mortgage program is right for you, follow the link to our Mortgage Center for information and options ( Link ). Our Mortgage Consultants are also available whenever you have a question or need assistance.
Yes, you may pay off your loan prior to maturity without penalty.
If you meet the qualifications (i.e. credit history, income, etc.) for the loan on your own you would not need a co-applicant.
You credit score doesn’t affect your interest rate but it may impact the points and fees you pay on your mortgage.
We do not require you to have a deposit account with Fidelity Bank in order to be approved for a loan; however, our products are all built to create a deep relationship with our customers, and there may be an added rate adjustment if the loan payment isn't withdrawn from a Fidelity Bank checking account.
Fidelity Bank guarantees an approval in 5 days or less! You will quickly know if you have been approved for a loan. Additionally, our goal is to close in 45 days or less. We can be schedule the closing at your convenience.
Fees will vary depending on various aspects of your mortgage. It is best to consult one of our Mortgage Consultants to review several different mortgage options, rate options, and fee structures. There are also ways for your fees to be included in your mortgage.
We will complete a full appraisal of the subject property. This will be the best way for us to determine the loan amount for the transaction. You will receive a copy of the appraisal for your records.
Some of the items that we may need to approve your mortgage are:
Yes, we can set up automatic payments to be pulled directly from your Fidelity Bank deposit account.