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What Our Customers Say
Rob-Thanks for the followup. I must say my experience with US Mortgage Capital for the closing couldn t have been better. You were always courteous, responsive, and extremely well-organized. Your guidance through this process made it much less painful than I expected. I will definitely refer friends and family to Worldwide, and would be glad to be added to your list of referrals.
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I did my first loan with Robert in July of 2011. I am an engineer and spend a lot of time looking fo the best deal. Nobody could be Roberts pricing. His pricing does not include a bunch of junk fees and his rates are top notch. Once we got started, Robert and his staff were very responsive. They promptly responded to all of my emails and questions. Everything was completed on time and he was able to forward me the closing documents to review before closing. I recently started a refinance with him and they have updated their disclosures to be web based which makes it extremely easy to get things started. If you want to float and watch rates he has great facebook/twitter feed where he talks about information regarding rates. I recommend everyone look into doing business with Robert and his staff.
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How Fidelity Residential works
Home loans offered include fixed and adjustable rate options, FHA, VA, USDA mortgages and more.
Interest rates vary between loan types and we offer a variety of closing cost options to fit your needs.
Fixed Rate Loans
Fixed rate mortgages have interest rates that remain the same throughout the life of the loan. While 15 and 30 year.Read more
FHA loans are mortgages issued through the Federal Housing Authority (FHA) to help people who have imperfectRead more
VA loans are home mortgages backed by the U.S. Department of Veterans Affairs as a benefit for qualifying .Read more
Low or no down payment, no monthly private mortage insurance, flexible credit guidelines .Read more
Cash Out Refinances
If you have more than 20% equity in your home, you may be eligible for a cash out refinance A cash out refinance.Read more
Adjustable Rate Loans
Adjustable Rate Mortgages (ARMs), also known as variable rate mortgages, have interest rates that adjust.Read more
No Doc & ALT Doc Loans
Being self-employed does not mean you can't get home financing. You do not have to submit any tax returnsRead more
Commercial loans are typically secured by businesses and while they are mostly fixed rate some small businesses.Read more
Our construction loan clients value the fact that they can take a single loan out and keep the financing simple.Read more
Real Estate Investment Loans can be used for many purposes including paying off existing debt obtaining cash .Read more
It is important to realize that there is not one interest rate, but many interest rates!The rate offered to a bank's best customers
You have a 30-year fixed loan at 8.5%. A loan officer calls you up and says they can refinance you to a rate of 8.0% with no points and no fees whatsoever.
PMI or Private Mortgage Insurance is normally required when you buy a house with less than 20%
A pre-qualification is normally issued by a loan officer, who, after interviewing you, determines the dollar value of a loan you can be approved for. However, loan officers do not make the final approval
Points are interest fees paid on a loan that reduce your monthly interest rate by requiring prepayment of a small percentage of the total interest due.
People also refinance to convert their adjustable loan to a fixed loan. The main reason behind this type of refinance is to obtain the stability and the security
If you have bad credit, you may not qualify for a conventional loan or low down payment loans offered by FHA and VA.
First of all, let's make sure that we mean the same thing when we discuss "mortgage insurance." Mortgage insurance should not be confused
An adjustable rate mortgage, or an "ARM" as they are commonly called, is a loan type that offers a lower initial interest rate than most fixed rate loans.
The APR is a very confusing number! Even mortgage bankers and brokers admit it is confusing. The APR is designed to measure the "true cost of a loan."
The longer the length of the lock, the higher the points or the interest rate. This is because the longer the lock, the greater the risk for the lender offering that lock.
Mortgage interest rate movements are as hard to predict as the stock market and no one can really know for certain whether they'll go up or down.
Your loan can be sold at any time. There is a secondary mortgage market in which lenders frequently buy and sell pools of mortgages.