The Role of Private Mortgage Insurance (PMI)
When you buy a home, your monthly payment is based on more than the purchase price. Some will go toward taxes and interest, while another
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At Fidelity Bank, we’re here to make your homeownership journey a little easier. No matter where you are in the process.
Confident in your finances and ready to move forward? We’re here to help you get pre-approved and guide you through the homebuying process.
Thinking about buying but not quite sure if you’re ready? If you’re focusing on building savings and improving your credit, we can help you get pre-qualified to better understand where you stand and guide you on the path to homeownership.
Talking to a Home Loan Specialist early on can help you set up a clear roadmap and understand exactly what you need to work towards. By knowing where you are and what steps are ahead, you’ll be better prepared to reach your goal of homeownership.
Wherever you are in your home journey, we’re here to help you get there. Whether it’s your dream home, an investment property, or even land for future plans, we have the right options to fit your needs.
Fixed-Rate Mortgages – Enjoy stability and peace of mind with a predictable monthly payment and a rate that never changes.
Jumbo Loans – For those big dreams, we’ve got the financing to match.
FHA/VA/USDA Loans – Helping you get into your home with options designed to support you.
Construction & Land Loans – From building your dream home to securing the perfect plot of land, we’ll help you bring your vision to life.
Investment & Rehab Loans – Looking to invest or renovate? We can help you grow and improve your property.
Why Choose a Community Bank for Your Home Loan?
Financing your home is a big decision, and where you get your loan matters. At Fidelity Bank, we’re more than just a lender—we’re your local financial partner, committed to helping you succeed.
Personalized Service – Work with local experts who take the time to understand your goals and guide you every step of the way.
Local Decision-Making – Fast approvals with decisions made right here in your community, not by out-of-state lenders.
Deep Community Commitment – As a community bank, we invest in the people and places we serve—your success is our success.
Trusted Relationships – You’re not just a number to us. We build long-term relationships with our clients to support your financial journey.
Experience the difference of a home loan with a bank that truly cares.
When you’re ready to start shopping for a home, understanding the difference between prequalification and pre-approval can help you navigate the mortgage process with confidence.
Prequalification is an informal assessment of how much you may be able to borrow. It’s based on basic financial information you provide, such as income, assets, and debt. While it’s a great way to get an estimate of your buying power, it does not guarantee loan approval or require a credit check.
A pre-approval is a more in-depth review of your financial situation. It requires a credit check and verification of your income, assets, and debt. With pre-approval, you receive a conditional loan commitment, making you a stronger buyer in the eyes of sellers.
We know today’s rates are making the home buying market difficult. That’s why we offer our Rate Rescue program with two ways to help:
As a preferred MassHousing lender, we can help bring homeownership within reach. With affordable loans and down payment assistance, we make getting your home simple and straightforward.
Key Benefits:
These programs help eligible homebuyers with down-payment assistance, closing costs, and affordable mortgage rates.
Let’s take the next step toward your dream home. Connect with one of our Home Loan Specialist today to find the right mortgage solution for your needs.
Fidelity makes it easier and faster to get the house of your dreams with Same Day Prequalification, 7 days a week!****
Purchasing your first home is a big step, and we’re here to make it easier. Our Home Lending Team will guide you through every stage of the process, from finding the right mortgage to securing down payment assistance.
With personalized support and first-time buyer programs, we’ll help you move forward with confidence.
Buying a home is one of the biggest financial decisions you’ll make, and we’re here to guide you every step of the way. With our unique C.A.R.E. Process, we take the time to understand your needs, your future goals, and your financial picture. Whether you’re a first-time homebuyer or looking to upgrade, we’ll build a home financing plan tailored to you.
Let’s make your homeownership dreams a reality—connect with a Home Loan Specialist today.
When you buy a home, your monthly payment is based on more than the purchase price. Some will go toward taxes and interest, while another
Many of us dream of becoming homeowners. But is that actually the best decision for your financial future? When it comes to renting vs. buying
The average U.S. home now sells for over $500,000. That can mean a monthly mortgage payment of $2,700 or more. Given these costs, it’s easy to see
*One Percent Buy Down will temporarily reduce the mortgage Note Rate by 1% for the first year of the mortgage via a bank-paid credit. The bank will fund an escrow account and disperse funds to cover the difference in interest during the one-year period.
**One Percent Point Reduction will permanently credit the borrower 1% of the loan amount as a discount point providing a lower rate for the life of the loan. For example, for a $100,000 mortgage the cost of the point at one percent equals $1,000. Example Loan Transaction: A 30-year fixed rate mortgage, with an APR (Annual Percentage Rate) of 6.60% (current on 2/14/23), is repaid in 360 monthly payments of $6.32 per $1,000. The exact APR and amount of the interest rate reduction will depend on the type of loan, amount of loan, and current rate. Only one Rate Rescue offer per loan. Offers valid only on: conventional financing loans; purchase mortgages; primary residences; and fixed-rate loans. Additional restrictions may apply. Rate Rescue offers subject to change or cancellation at any time. All loans subject to credit approval. NMLS# 452347
PLEASE CALL FOR RATES ON LOANS WITH 1 POINT, 2 POINTS OR OUR NO POINTS NO CLOSING COSTS PROGRAM
***Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Jumbo mortgages are loans which exceed your county’s maximum conforming loan limit. Please consult one of our Home Loan Specialists for more detail on Jumbo loan options. Subject to credit approval.
****Disclaimer: For same day prequalification, applications must be submitted online before 4 p.m. Monday-Friday and 2 p.m. Saturday and Sunday. Prequalification decisions will be returned by 8 p.m. Monday-Friday and 6 p.m. Saturday and Sunday. Decisions on applications received after hours will be returned by 10 a.m. the following day. All required information must be provided to the bank. Prequalification are not commitments to lend, and all loans are subject to credit approval.
Routing # 211370707 | NMLS # 452347 | Phone: 800.581.5363
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