Conventional
Fannie Mae & Freddie Mac. 3% down, conforming and high-balance. The bread-and-butter for repeat buyers, move-ups, and most refinances.
Repeat · Move-up · RefiFidelity Residential closes purchases in 23 days, picks up the phone, and finances every borrower your sphere actually sends you — from FHA-DPA first-timers to fix-and-flip investors. Your client sees milestones in real time. So do you. That’s the difference between a referral and a relationship.
None of them involve you babysitting an LO who isn’t returning your calls in the last 72 hours before close.
Named LO from intake through closing. Mobile number — not a queue. Texts back. Picks up when your buyer panics about the inspection.
Same-day fully-underwritten preapprovals on most files so your buyer wins the offer. Your listing agent counterpart sees a strong letter, not a templated DocuSign.
Specific close date committed in writing within 24 hours of contract. Material changes, you hear about them before your buyer does — so you can manage the conversation.
Conventional, FHA, VA, USDA, jumbo, DPA — plus DSCR, fix-and-flip, asset-based, non-QM, and bank-statement for the investor and self-employed referrals you used to send away.
The Mortgage Hub gives you and your client live milestone tracking, document status, and conditional approval letters — without you having to ask “hey, where are we at?”
Custom open-house flyers, market-update collateral on your letterhead, financing one-pagers branded to you. Free. Yours to use across every listing.
Most realtors juggle 2–3 lenders because no single one handles all their borrower types. We built Fidelity to be that single lender — full bank platform plus a deep non-QM and business-purpose menu, all originated by senior LOs who know each product cold.
Fannie Mae & Freddie Mac. 3% down, conforming and high-balance. The bread-and-butter for repeat buyers, move-ups, and most refinances.
Repeat · Move-up · Refi3.5% down, lower credit thresholds, gift funds accepted. For first-time buyers who can’t hit conventional reserves — or whose credit is rebuilding.
First-time · Rebuilding credit$0 down for eligible veterans, active duty, and surviving spouses. No PMI, ever. We process VA loans in-house — not punted to a wholesale desk.
Veterans · Active duty100% financing for eligible rural and suburban properties. Surprising number of metro fringes qualify — we run the address-eligibility check before you write the offer.
Rural · Suburban fringeStack-able state & federal DPA programs, grants, deferred seconds, forgivable loans. We know which programs work in your county — we pre-qualify your buyer for them upfront.
First-time · LMI · WorkforcePortfolio jumbo up to $5M, non-warrantable condo programs, 5%-down 89.99 LTV jumbo. For the high-end side of your book where conventional taps out.
Luxury · Condo · High-LTVQualifies on rental income alone — no W2s, no tax returns from the borrower. The product your investor referrals stopped sending to retail lenders for.
Investor · LLC-heldUp to 90% LTC purchase + 100% of rehab budget. 12–24 month interest-only terms. Close in 10–14 days. We’ve funded over $200M of these.
Investor · Flipper · BRRRR12 or 24 months of bank statements, P&L-only options, asset-depletion. For self-employed buyers whose tax returns don’t reflect what they actually earn.
Self-employed · 1099 · Business ownersQualify on liquid assets alone (asset-depletion). Cash-out for business purposes against owner-occupied or investment property. The trust & high-net-worth use case.
HNW · Trust-held · Business ownerDon’t see your buyer’s scenario? Send it to us — chances are we have a path.
Every Fidelity loan runs on the Mortgage Hub portal. You and your buyer log in, see the same milestone tracker, the same conditional approval letter, the same close-date countdown. No more “hey, where are we at?” texts at 8 PM the night before closing.
No referral fees. No volume quotas. No exclusivity clauses. Just a lender that performs — and a marketing team that helps you grow.
Below are real reviews from Fidelity clients across the borrower profiles you see every week — seasoned real estate investors, business-owner buyers, builders, and 1031-exchange clients. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
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.
A senior team member responds within one business day. We will not add you to a marketing list.