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 · Refi
For Realtors & Brokerages
You earned that listing. Don’t lose the deal because a lender ghosted you in week three.
Fidelity 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.
Why agents switch to Fidelity
Six things that change the day your next buyer is a Fidelity buyer.
None of them involve you babysitting an LO who isn’t returning your calls in the last 72 hours before close.
A senior LO who answers the phone. Including evenings.
Named LO from intake through closing. Mobile number — not a queue. Texts back. Picks up when your buyer panics about the inspection.
Pre-approvals our underwriter has verified.
Credit, income and assets are verified before the letter is issued, and the loan is approved subject only to the property. The listing agent sees a strong letter they can verify online, not a templated DocuSign. Once your buyer is pre-approved, you make the letter for each offer yourself.
23-day average close that holds up.
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.
Every loan product your sphere actually needs.
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.
Real-time portal. Letters on demand.
Our partner portal shows you every milestone and the closing date as it happens, and lets you make a pre-approval letter for each offer yourself — without having to ask “hey, where are we at?”
Co-branded marketing that makes you look good.
Custom open-house flyers, market-update collateral on your letterhead, financing one-pagers branded to you. Free. Yours to use across every listing.
The product matrix
Every buyer your sphere sends you. One lender. One closing team.
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.
FHA
3.5% 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 creditVA
$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 dutyUSDA
100% 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 fringeDown Payment Assistance
Stack-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 · WorkforceJumbo & Non-Warrantable
Portfolio 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-LTVDSCR (Investor)
Qualifies 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-heldFix & Flip / Bridge
Up 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 · BRRRRBank Statement / Non-QM
12 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 ownersAsset-Based & Business-Purpose
Qualify 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.
The partner portal
Real-time loan status. Pre-approval letters on demand. Without making a phone call.
Every buyer you send us gets you a sign-in to our partner portal: each milestone and the closing date as it happens, an email or text when the loan moves, and, once your buyer is pre-approved, a pre-approval letter for every offer you write. No password to remember: we send a sign-in link to your email or mobile.
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Live milestone trackerEvery client you are on, one tap apart: the current step, how far along the loan is, and the closing date as soon as it is set.
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An update at every milestoneAn email, and a text if you turn texts on, each time a loan you follow moves forward: approval, clear to close, closing and funding.
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Your own pre-approval lettersWriting at $575K instead of $600K? Make a letter for that price and that address yourself, ready at once, any day of the week.
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Letters the listing agent can checkEvery letter is numbered and verifiable online as current, expired or withdrawn.
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Your client's finances stay privateYou see progress, not their file: loan terms, documents and conditions stay between your client and us.
Pre-approval letters, per offer, without waiting on us
Once your buyer is pre-approved and agrees, the Letters tab shows their approved price, down payment and how long letters stay valid. Enter the offer price and the property address and the letter is ready: the loan amount follows the same down payment, and the letter shows the offer price, never your buyer's ceiling.
The letters are underwritten pre-approvals, not pre-qualifications: our underwriter has verified your buyer's credit, income and assets, and the loan is approved subject only to the property. Why that makes your offer stronger.
How the partnership works
You bring the client. We bring the closing. Both sides keep the relationship.
No referral fees. No volume quotas. No exclusivity clauses. Just a lender that performs — and a marketing team that helps you grow.
What you get from us
- A named senior LO for every buyer you send — not a lead-bucket
- Pre-approval letters for each offer, made by you in the partner portal, any day of the week
- Co-branded open-house flyers, financing one-pagers, market updates on your letterhead — designed and refreshed for you, free
- Quarterly market & rate briefings you can re-share with your sphere
- Direct underwriting line for scenario questions before you take the listing or write the offer
- Closing gifts and walkthrough kits for your buyers (within RESPA limits)
- Joint open houses where Fidelity sends an LO to credential-check on the spot
What we deliberately don’t do
- Pay you a referral fee — RESPA Section 8 prohibits it, period
- Push the “preferred lender” agreement that ties you into bad service
- Run desk-rental marketing service agreements we can’t defend in writing
- Send mass-marketing emails to your past buyers behind your back
- Charge your client a lender credit hike to fund our marketing
What buyers and investors say about working with us
Reviews from the buyers your sphere actually looks like.
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.
23
Days average purchase close
98%
Partners send a second client
24/7
Per-offer letters from the portal
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.
Jason TuchmanRepeat purchase + refi client · Wayne, NJ · 5★ Zillow
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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.
Kleber BarberanProfessional Real Estate Investor · 5★ Google
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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.
Ken MalianReal Estate Investor, Designer & Builder · Bernardsville, NJ · 5★ Zillow
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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.
Jon M.Professional Real Estate Investor · Murrieta, CA · 5★ Zillow
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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.
Sean McNicholasMotivational Speaker · Private-Money Investor · 5★ Google
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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.
KGA PropertyProfessional Real Estate Investor · Damascus, MD · 5★ Zillow
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Introduce yourself
Tell us about your business and what you want in a lender.
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