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Loans

Financial Designers

Home Loan Specialists

Jamie Burgoyne,VP
Shirley
jburgoyne@fidelitybankonline.com
NMLS# 50138

Yamilett Sickles,VP
Leominster & Worcester
ysickles@fidelitybankonline.com
NMLS# 528197

Stephen Smith,VP
Millbury
ssmith@fidelitybankonline.com
NMLS# 785518

Lisa Thomann,VP
lthomann@fidelitybankonline.com
NMLS# 717331

Rick Vallee, VP
Fitchburg
rvallee@fidelitybankonline.com
NMLS# 785523

Kathryn Weldon,VP
kweldon@fidelitybankonline.com
NMLS# 1094433

Dennis Wills,VP
Gardner
dwills@fidelitybankonline.com
NMLS# # 785525

Brenda Young, VP
Leominster Connector
byoung@fidelitybankonline.com
NMLS# # 785524

Lisa Arcangeli, VP
Worcester
larcangeli@fidelitybankonline.com 
NMLS# # 785485

Michael Gibbons

Leominster Connector
mgibbons@fidelitybankonline.com 
NMLS# # 1192259

Home Lending


Mortgages

Buying a house often represents one of the largest financial transactions in the lives of many families and individuals. Don't go it alone. The number of products available to prospective home buyers increases every year.   But when you turn to Fidelity Bank, you're guaranteed to find a trusted professional who will take the time to understand your life and educate you on the options that best fit your needs. This is the LifeDesign advantage.

At Fidelity Bank our Home Loan Specialists are seasoned professionals who will help you:

  • Understand the home buying process
  • Identify costs you might have overlooked in the home buying process
  • Find a mortgage product that fits your specific needs and circumstances

At Fidelity Bank, we take pride in offering a world class set of products and services, including a wide variety of mortgage products including:

Even with our competitive list of products, the best advantage you'll find at Fidelity Bank is our team of Financial Designers who will help you make a more informed financial decision. We encourage you to contact your local Financial Designer today so he/she can help you get where you want to be.


 

Time to Refinance?

It might be, but just because rates are lower does not necessarily mean it is time to refinance. There are many factors such as closing costs and how much time you have left on your current mortgage that you need to factor into your decision. If your goal is to access the equity you've built in your home, an equity line or loan might be a better option.The one thing you can be sure of is that our Financial Designers at Fidelity Bankwill help youmake an informed financial decision that is in your best interest. If thereis any way to lower your payments, decrease your term or lower the overall cost of yourmortgage loan, they will find it! If you simply need access to your equity, they will find the best alternative for you which may not necessarily be refinancing. Regardless of what you choose to do, talk with one of our Financial Designers first. The information you'll get from our Fidelity Bank professionals is free, regardless of what you decide to do.


Equity Loans & Lines of Credit

An equity loan[get rates] [apply now] is based on the available equity in your home. A loan is advanced for the full amount then a payment schedule is created for a specific predetermined term. The rate is fixed and will not change over the life of the loan. The payments are the same amount every month.

An equity line of credit[get rates] [apply now] is more flexible. The amount of the line of credit is determined up front but not necessarily advanced. You are given a check book and can make advances as needed up to the amount of the predetermined line of credit. The rate however is variable. It fluctuates with the prime rate. That means that your payments could fluctuate as well. You do have payment options. While you are required to make the interest payment each month, you can also make additional principal payments any time you like. Fidelity Bank also offers a fixed equity line of credit. This is the best of both worlds. You have a fixed rate for the life of the loan and you have the flexibility of advancing against the loan when you need it. While all these products provide a great way to accomplish all kinds of home projects and goals in life, our Financial Designers can help you decide which option best suits your needs.

Stop by any one of our convenient branch locations, call our LifeDesign Information Center, or contact any one of our Financial Designers directly.

Fidelity
Faithfulness to obligations or duties.
Financial Designer
Fidelity Bank specialist that helps you make a more informed financial decision.