Mortgages

Choosing a Mortgage Loan that is right for you can be a confusing process.
Let our team of experienced loan professionals find the right solution for your individual borrowing needs.

Mortgage Programs

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. Your conventional 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 and Down Payment Assistance programs.

Meet our Team Automatic Payments Online Mortgage Loan Application

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Mortgage Loans

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. Escrow options are available

5/1 Year Adjustable Rate Mortgages

An adjustable rate mortgage that offers a lower initial rate.  It is a fixed rate for the initial 5 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 is 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.

7/1 Adjustable Rate Mortgages

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.

Lot Loans

Five year maximum balloon loan.

Government Loans

FHA Loans

The FHA guarantees home loans, reducing the risk to lenders and offering increased borrowing power to qualified applicants. An FHA loan benefits those who would like to purchase a home but haven’t been able to put money away for the purchase, like recent college graduates, newlyweds or people who are still trying to complete their education.

VA Loans

Used for the purchase of a primary residence, VA loans are available to consumers who have served or are presently serving in the U.S. military. While the Department of Veterans Affairs (VA) does not lend money for VA loans, it backs loans made by private lenders (banks, savings and loans or mortgage companies) to veterans who qualify.

USDA Loans

Similar to the FHA loan program, the USDA loan program is designed to help people get into properties that are designated rural by the USDA loan guidelines. Down payments are not required.

Additional Programs

Down Payment Assistance Programs/Welcome Home Funds

Funds available beginning March 1, 2018 while they last.

Welcome Home Funds provide down payment and closing costs assistance for low and moderate income homebuyers. 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.

Automatic Payments

Use our automatic payment program to schedule monthly deductions from your deposit account at Fidelity Federal or an outside institution at no additional charge. Contact our Lending Department today for details and eligibility requirements.

Meet our Lending Team

Our lending team is ready to help you through purchasing a home, refinancing your existing home or building your dream home.

Rick VanHouten

Rick VanHouten

Vice President, Chief Lending Officer

NMLS #426582

Phone: 740-363-1284
Cell: 567-231-9569
Fax: 740-422-1429

E-Mail Rick

Address:
60 N. Sandusky St.
Delaware, OH 43015

Team - Placeholder
Winnie Skinner

Loan Officer

NMLS #1575809

Phone: 740-363-1284
Cell: 740-225-6004
Fax:740-422-1440

E-MAIL Unavailable

Address:
60 N. Sandusky St.
Delaware, OH 43015

Team - Placeholder

Jeffrey E Pettit

Loan Officer

NMLS #1004751

Cell: 614-633-8457
Phone: 740-363-1284
Fax: 740-422-1567

E-MAIL Jeff

Address:
1940 St. Rt. 37 W
Delaware, OH   43015

Lending Team - Angie Kitchen
Angie Kitchen

Branch Manager - Westfield Office Loan Officer

NMLS #1253316

Phone: 740-363-1233 
Fax: 740-363-5483

E-MAIL Angie

Address:

1940 St. Rt. 37 W
Delaware, OH   43015

Team - Placeholder
Loan Officer

Loan Officer

NMLS

Phone: 
Fax:

E-MAIL unavailable

Address:

 

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