News and Advice
What documents will I need to get a loan?
The goal of your mortgage loan officer, and that of his support team, is to get you into your dream home as soon as possible. Being prepared with the right documentation will help ensure this happens.
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How to get a fixed rate mortgage with no down payment
There are mortgage programs that can help people finance their home without a burdensome down payment, such as Fidelity’s Equity Builder Home Loan. Learn how the right loan can help get you in a home faster.
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Mortgage Options for Physicians
Fidelity Bank's Physicians Loan Program provides medical professionals a unique and effortless home buying experience. Read on to find out what makes this loan program so rewarding.
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Mortgage Lending FAQ
For seasoned and first time homebuyers, the mortgage lending process can present a lot of questions. Review our mortgage frequently asked questions for everything you need to know.
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Convert equity to cash with Cash-Out refinancing
Fidelity Bank’s Cash-Out refinancing allows you to refinance your mortgage to convert your hard-earned equity to cash to consolidate debt or fund a large project.
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Extended Rate Lock for Building a New Home
With Fidelity Bank’s Extended Rate Lock program, we take the hassle out of building your new home by locking your mortgage interest rate during home construction to protect you from rising rates.
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Home Buying 101
When the time is right to buy your first home, you’ll have lots of questions about the process of obtaining and maintaining a mortgage. We’re here to help with answers and information. Any remaining questions you may have can be directed to our helpful and experienced loan officers who stand ready to assist you turn the dream of homeownership into reality.
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Private Mortgage Insurance, Explained
Borrowers who put up less than twenty percent of the purchase price as a down payment on a conventional mortgage are required by the lender to purchase a private mortgage insurance policy. So, what exactly is PMI?
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Home Appraisals
In a home appraisal, a licensed appraiser provides an opinion of the value of the home based on a variety of factors, including the condition of the house, the neighborhood around it and recent sale prices of comparable properties.
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Loan-to-Value
The loan-to-value calculation or LTV is critical to determine the interest rate for which homebuyers qualify and whether or not additional insurance is required.
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