Fixed rate loans
With a fixed rate, the interest rate is set when you close and does not change, so principal and interest stay the same for the life of the loan.
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Loan options
Mortgage loan options
Every loan program we offer, in plain language: conventional, government-backed, jumbo, self-employed, home equity and investor options, with who each one suits.
Prefer to talk? Call 732-686-9999
- Direct, licensed mortgage lender
- NMLS #103098
- Equal Housing Lender
What are you planning?
Pick the one closest to you.
Get a quoteReady for the full application? Apply online
Fidelity Residential · NMLS #103098 · Equal Housing Lender
- Direct, licensed lenderNMLS #103098. Check our licences on NMLS Consumer Access.
- A licensed loan officerA real person reviews your file and answers your questions.
- Many kinds of loansWe compare programs to find the rules that fit your file.
- Apply online or by phoneStart a quote, apply online or call 732-686-9999.
Rate type
Fixed or adjustable
The rate type decides whether your payment can change.
Adjustable rate loans
An adjustable rate mortgage starts with a rate that is fixed for a set number of years. After that, the rate can change at set times, within limits called caps.
Learn morePortfolio ARM loans
A first mortgage the lender keeps on its own books, so it can set its own rules. The rate is fixed for a set number of years and then can change every year, so the payment can rise. We arrange it as your mortgage broker.
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Government-backed
Government-backed loans and down payment help
Smaller down payments, and help with the money you bring to closing.
FHA loans
Made by a private lender and insured by the Federal Housing Administration. FHA loans accept smaller down payments and lower credit scores than most conventional loans.
Learn moreVA loans
For eligible veterans, service members, Reserve and National Guard members and certain surviving spouses. No down payment in most cases and no monthly mortgage insurance.
Learn moreUSDA loans
Guaranteed by the U.S. Department of Agriculture to help low- and moderate-income households buy a modest home. The loan can cover the full appraised value.
Learn moreDown payment assistance
Assistance programs can cover some or all of your down payment and, in some programs, closing costs. The help is usually a second loan with its own terms.
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Larger loans and other income
Larger loans and other ways to show income
For higher-priced homes, and for income that tax returns do not show.
Jumbo loans
For a loan larger than the conforming limit set each year for the county. Each program sets its own rules, and the rules tighten as the loan grows.
Learn moreAlternative documentation loans
If your tax returns do not show your real income, there are programs that look at bank statements or assets instead.
Learn moreBank statement loans
A mortgage that looks at the money coming into your bank accounts instead of the income on your tax returns.
Learn moreAsset based loans
A home loan where your verified savings, investments and retirement accounts can count in place of, or as well as, a paycheck.
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Refinance and renovate
Use your equity, renovate or build
Turn equity into cash, or pay for the work a home needs.
Cash-out refinances
One new, larger mortgage in place of the old one, with the difference paid to you at closing.
Learn moreRenovation loans
A renovation mortgage pays for the home and the repairs or improvements it needs, with a single closing.
Learn moreConstruction loans
Renovation loans for the home you live in, and ground-up construction and rehab loans for real estate investors.
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Real estate investors
Loans for real estate investors
For business purposes only.
Investment loans
Finance a rental or a second home with a standard mortgage, or finance a rental on the property's own rent.
Learn moreDebt service coverage (DSCR) loans
A loan on a rental property qualified on the property's own rent instead of your personal income. No tax returns or pay stubs; credit, assets and the appraisal are still checked. For business purposes only.
Learn moreFix and flip / bridge loans
Short-term financing to buy and renovate a property, then sell it or refinance it into a long-term loan. Renovation money is released in draws as the work is done. For business purposes only.
Learn moreCommercial loans
Business-purpose loans for investors, based on the property's rent: residential buildings of five to ten units, small mixed-use buildings, and several rental homes under one loan.
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Not sure which loan fits?
Read choosing a loan program, pick up one of our short Guides and Tips, or ask a licensed loan officer at 732-686-9999.
Ready to talk about your loan?
Get a quote, apply online, or talk it through with a licensed loan officer.
This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice.