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What Our Customers Say
Robert Shamie and his team at Fidelity Residential were very professional and a joy to work with. Their services had a distinctly personal touch even though the entire process was completed electronically. Robert worked with me to review various refinance options and together we developed a plan that was much better than my original plan. His team and process are very effective; his emails outline the entire process and lead you through it step by step. I knew what documents to provide, who to call if questions and the near real time status of my application. Robert and his team were very responsive to questions, and replied promptly by phone and email. I was able to do the entire process without any meetings or trips to lawyers; even the closing was done in our home. I have done several refinancing; Robert and his team offer very competitive rates and far superior service. I would recommend them to anyone, and would work with them again
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I was very fortunate to work with Dean and close the refi right before mortgage rates spiked. Rates shoot up by a full point a week after I closed and had Dean not delivered during the 30-day lock I would have missed the opportunity. Dean was very helpful, responsive, knowledgeable, and great person to work with. I highly recommend him! Dean, thank you for coming through and saving me some money!
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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.