At Fidelity Home Group, we are Florida Mortgage Experts! Headquartered in Orlando, FL, we offer more options, more transparency and a simpler way to find the right mortgage program for your unique home buying or refinancing situation.
Florida is more than beaches and theme parks; Florida offers No State Income tax, beautiful year round weather, and endless outdoor activities! Whether you are looking for a mortgage program for your Primary Home, Secondary Home or Investment Property, we have a personalized solution for your unique situation. For First-Time Home Buyers, we offer several mortgage solutions including VA, FHA, USDA and a 3% Down Payment option.
If you have an existing mortgage with a low interest rate and want to tap into your home’s equity without altering your first mortgage, we offer several Home Equity Loan Solutions tailored to your needs. These include Home Equity Lines of Credit [ HELOC ] and Home Equity Loans [ HELOAN ], also known as a second mortgage.
In Florida, we have some unique properties! If you have or are wanting to purchase a Condo, Condotel, Co-Op or a Non-Warrantable Condo, we have your mortgage solution! If you are a Business Owner or are Self-Employed, you may need a Bank Statement, a One-Year Tax Return, 1099 P & L, or an Asset Depletion / Qualifier Mortgage or our true Stated Income Mortgage.
For Real Estate Investors, we offer ways to mortgage your investment property with a traditional investment property mortgage, Fix and Flip Loan, or utilize our DSCR [ Debt Service Coverage Ratio ] Program that uses the property’s annual net operating income vs it’s mortgage payment to qualify. If you are planning to buy a new home before selling your current home and need cash for the down payment and closing costs, a short term Bridge Loan maybe a good option for this solution. If you purchased your home with cash in the last 90 days and want to get cash out, be sure to look at our Delayed Financing Mortgage Program – no need to wait 6 months!
If you prefer to build your own home, we offer One-Time Close New Construction Loans if you have purchased land and wish to build your home with your builder. The existing land loan [ if applicable ] can be consolidated into new construction loan and the interest rate at closing may qualify for an interest rate float-down adjustment during the construction period to permanent financing. If you need to buy land, we do offer Land Loans to use in conjunction with our New Construction Loan Programs.
Contact one of our Florida Mortgage Experts for a Consultation, or use our Home Purchase Qualifier to expedite your Mortgage Pre-Approval, or get a personalized Mortgage Rate Quote for your home purchase, home equity loan, or refinance.
In Florida, we have some unique properties! If you have or are wanting to purchase a Condo, Condotel, Co-Op or a Non-Warrantable Condo, we have your mortgage solution! If you are a Business Owner or are Self-Employed, you may need a Bank Statement, a One-Year Tax Return, 1099 P & L, or an Asset Depletion / Qualifier Mortgage or our true Stated Income Mortgage.
For Real Estate Investors, we offer ways to mortgage your investment property with a traditional investment property mortgage, Fix and Flip Loan, or utilize our DSCR [ Debt Service Coverage Ratio ] Program that uses the property’s annual net operating income vs it’s mortgage payment to qualify. If you are planning to buy a new home before selling your current home and need cash for the down payment and closing costs, a short term Bridge Loan maybe a good option for this solution. If you purchased your home with cash in the last 90 days and want to get cash out, be sure to look at our Delayed Financing Mortgage Program – no need to wait 6 months!
If you prefer to build your own home, we offer One-Time Close New Construction Loans if you have purchased land and wish to build your home with your builder. The existing land loan [ if applicable ] can be consolidated into new construction loan and the interest rate at closing may qualify for an interest rate float-down adjustment during the construction period to permanent financing. If you need to buy land, we do offer Land Loans to use in conjunction with our New Construction Loan Programs.
Contact one of our Florida Mortgage Experts for a Consultation, or use our Home Purchase Qualifier to expedite your Mortgage Pre-Approval, or get a personalized Mortgage Rate Quote for your home purchase, home equity loan, or refinance.
