The mortgage partner your clients — and your reputation — can count on.
When you point a client toward a lender, your name goes with the recommendation. Fidelity gives your clients the closing experience that reflects well on you: clear communication, realistic timelines, and a senior loan officer who actually picks up the phone.
Five things that change when your client works with us instead of a retail lender.
None of them involve you sitting on hold trying to find out why a closing slipped.
A senior loan officer your client speaks to directly.
Named LO on day one. Decision-making authority. Returns calls within the business day. Shows up at closing.
Realistic timelines, set in writing on day one.
Specific close date committed in writing within 24 hours of a complete application. Material changes, you hear first.
Communication discipline that reflects well on you.
Weekly written status updates to the borrower. You CC’d on request. Plain English. No surprise document requests.
Underwriting that understands the real world.
Trusts, LLCs, self-employed, foreign nationals, probate refinances, non-warrantable, jumbo — routine, not exceptions.
A 30-day close that holds up under scrutiny.
Average purchase closes in 30 days from contract. 98% of partners say the first closing went how we said it would.
A workflow built around the attorney’s obligations.
Co-branded client materials on your letterhead. Quarterly briefings. Direct line to underwriting for scenario questions.
The situations that send most files to “exception” — and how we handle them.
A lot of attorney-referred clients come to us because their situation broke a retail lender’s checklist. Click through to see substance, not slogans.
Property titled in a revocable or irrevocable trust
We finance into revocable trusts directly and have established workflows with the major title insurers for irrevocable trust transactions. We send the trust certification requirements to your office at the start of the file so there are no last-minute amendments.
Estate planning · Elder law · Asset protectionBorrower or property held by an LLC (1–4 units, DSCR or full-doc)
Investment property in an LLC is routine. We offer full-documentation conventional loans (where allowed for entity-vested title) and DSCR products that qualify on rental income alone — no personal tax returns required.
Investor clients · Family LLCs · Asset protectionDivorce buy-outs and removal-of-spouse refinances
We work directly from the divorce decree or marital settlement agreement. We can structure the refinance to deliver buy-out proceeds at closing and remove the non-titled spouse from the loan in a single transaction, including in equitable distribution states with non-standard award structures.
Family law · Matrimonial practiceEstate-in-probate refinances and inheritor purchases
Refinancing an estate-titled property before distribution, financing an heir’s purchase of co-inherited property from siblings, or refinancing post-distribution into the inheritor’s name — we’ve structured each of these and will work directly with executors or co-counsel.
Probate · Trust & estateNon-warrantable condos, jumbo, foreign national, recently self-employed
These are not exceptions on our menu — they’re products. Portfolio jumbo, non-warrantable condo programs across multiple states, foreign national programs, and bank-statement programs for self-employed borrowers under two years of returns.
Business / transactional · Cross-border · InvestorSee exactly where your client’s file is — without an email chain.
When you’re scheduling a closing, you need to know what’s really happening inside the loan file — not what a junior LO assistant said in an email last Tuesday. Every Fidelity loan runs on the Mortgage Hub portal. With your client’s consent, you get read-only access to the same view your client and our underwriter see — live milestone tracker, conditional approval letter, title commitment, and every outstanding condition in plain English.
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Read-only access to the real file statusWith your client’s written consent, you log in and see the same view we and your client see — what stage the loan is in, what’s still outstanding, and the projected close date.
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Title commitment & trust-cert trackingSee the status of the title commitment, trust certification, and other recordable docs in real time — the things that actually determine whether your closing date holds.
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Milestone notificationsEmail or SMS the moment we hit clear-to-close or any milestone that affects your scheduling. You’re not the one chasing the LO at 9 PM the night before close.
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Conditions list, in plain EnglishEvery outstanding condition, who’s waiting on what, when it was requested. If something on the list affects the closing date, you see it the day it comes up — not the day before.
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Direct underwriter Q&A on complex filesFor trust-titled, LLC-vested, probate, or out-of-the-ordinary files, your office gets a direct underwriting line — not a triage queue. Ask the question; we answer.
A clean, professional handoff — designed around your obligations, not ours.
A referral from an attorney is not a transaction. We treat it the way you would want your own clients to be treated by counsel you’ve referred them to.
What you receive from us
- A named senior loan officer for every client you introduce
- Same-day written acknowledgement of every referral
- Optional CC on weekly status updates, with client consent
- Co-branded client one-pagers on your firm’s letterhead
- Quarterly briefings on lending topics relevant to your practice
- Direct line to underwriting for pre-introduction scenario questions
What we deliberately do not offer
- Referral fees, marketing service agreements, or gifts tied to closings
- Fee-sharing arrangements of any form
- Any arrangement requiring a RESPA Section 8(c) carve-out we couldn’t defend in writing
- Sponsorship payments for CLE or speaking engagements
Why we don’t pay attorneys for referrals
RESPA Section 8 prohibits anyone in the residential mortgage settlement chain from giving or receiving a thing of value in exchange for the referral of business — and most state bar rules independently prohibit fee-sharing between lawyers and non-lawyers. We’re comfortable with that and structure this partnership to live well inside both rules. The value of working with us isn’t compensation to you. It’s the closing experience your client receives — the thing that actually grows an attorney’s referral practice over time.
Built on long relationships with the professionals who refer their clients to us.
Below are reviews from Fidelity clients who are themselves professionals — including an attorney, real estate investors, and a builder-developer. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source. We’re capturing attorney-specific testimonials as new partnerships develop.
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
Tell us about your practice and what you want in a lender.
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