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  PRESIDENT'S MESSAGE

 

Check out our Mortgage Rates

Apply Online
in the convenience of your Home 

Purchasing a new home or looking to refinance your existing home? Check out our Rates and complete the Online Mortgage Loan Application.  Stop in or contact one of our loan officers to see what Fidelity Federal can do for you.

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Building or Buying a new Home?


  Apply for a mortgage loan from the
  comfort of your own home.
               

» Click here to learn more.

 

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Mortgage Loans

At Fidelity Federal we offer personal loan service from origination to payoff. All loans closed locally! Our loan officers originate, underwrite and close your loan at our offices. Your loan is then serviced by us until paid in full. You'll never have to talk to a phone center about your home loan concerns.      Offering Construction Loans, USDA, FHA, VA and Conventional Loans.

 

Click here for our Online Mortgage Loan Application 

 

Down Payment Assistance Programs/ Welcome Home Funds     

Welcome Home Funds 2016Welcome Home Funds available.   - Funds not available at this time.  Next program - Spring 2018
Welcome Home Funds provide down payment and closing costs assistance for low and moderate income homebuyers.  The buyer is not required to be a first time homebuyer.  Grants up to $5,000 per house are available.  Funds are limited and available on a first come first serve basis.   Funds generally available each spring.  


Contact  our Lending Department today for details and eligibility requirements.

 

Government Programs - USDA /FHA / VA

Little or no down payment required for these programs.  Talk with one of our loan specialist and see if these loan options may work for you.

Fixed Rate Mortgages

Our fixed rate first mortgage program consists of 10, 15, 20 and 30 year terms. You never have to worry about your principal and interest payment changing for the life of your loan.

3 Year Adjustable Rate Mortgages

An adjustable rate mortgage offers a lower initial rate. The index is the Weekly Average Yield on U.S. Treasury Securities Adjusted to a Constant Maturity of 3 Years.  Information about this is Index is available in the Federal Reserve H.15 Selected Interest Rates. Interest rate caps of 2% at every 36 month adjustment period and a 5% life of loan cap protect you from extreme fluctuations in your payment.

7/1 Adjustable Rate Mortgage

An adjustable rate mortgage offers a lower initial rate. It is a fixed rate for the initial 7 years and then the remainder of the term is a 1 year adjustable.  The Index is the Weekly Average Yield on U.S. Treasury Securities Adjusted to a Constant Maturity of 1 Year.  Information about this Index is available in the Federal Reserve H.15 Selected Interest Rates. Interest rate caps of 2% at every 12 month adjustment period and a 5% life of loan cap protect you from extreme fluctuations in your payment.

 

Investment Property Loans

Investment property loans may be obtained at slightly higher interest rates than owner occupied.

Construction/Permanent Loans

Lock in your rate for the life of the loan and avoid two closings. We offer six or twelve month construction periods combined with the permanent loan terms of your choosing. A fixed rate of interest is charged during the construction phase on funds disbursed. Amortized payments of principal and interest begin upon the completion of the construction phase.

Temporary Construction Loans

Six or twelve month fixed rate interest only loans by an approved builder.

 Lot Loans

Five year maximum balloon loan

 

Auto Pay

Use our automatic payment program to schedule monthly deductions from your deposit account at Fidelity Federal or another institution at no additional charge.  Please visit one of our offices to set up Auto Pay.

Contact our Lending Department at 740-363-1284  or 740-363-1233 for complete details.

 

 

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