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Fidelity FundingA Premier Mortgage Banker

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Loan programs

From first homes to investment portfolios, explore every program we offer. Choose a box to read the full guide.

Buy a home Fixed, adjustable and payment options Refinance and home equity Investors and flexible qualifying

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Buy a home

Popular purchase programs for primary residences, second homes and first-time buyers.

Conventional Loan I want a flexible loan with competitive rates Not government-insured. Low down payment options and PMI that can be removed. Learn more FHA Loan I want a low down payment and flexible credit Government-insured with 3.5% down and more forgiving credit guidelines. Learn more VA Loan I served and want to use my benefits Zero down and no monthly mortgage insurance for eligible veterans and service members. Learn more USDA Loan I want to buy in a rural or suburban area Zero down for eligible homes in qualifying rural and suburban areas. Learn more Jumbo Loan I want to finance a higher-priced home Financing above conforming limits for luxury and high-cost markets. Learn more First-Time Home Buyer I want help buying my first home Guidance, low down payment programs and a loan officer who fills out the application with you. Learn more

Fixed, adjustable and payment options

Choose how your rate and payment behave over the life of the loan.

30-Year Fixed Mortgage I want the lowest predictable monthly payment The same principal and interest payment for 30 years. Learn more 15-Year Fixed Mortgage I want to pay off my home faster Own your home sooner and pay far less interest. Learn more Adjustable-Rate Mortgage (ARM) I want a lower starting rate A lower fixed rate for the first 5, 7 or 10 years, then adjusts. Learn more Interest-Only Mortgage I want lower payments in the early years Pay only interest for an initial period, then principal and interest. Learn more Mortgage Buydown I want a lower rate at the start of my loan Prepaid interest that lowers your rate temporarily or for the life of the loan. Learn more

Refinance and home equity

Lower your payment, change your term or put your equity to work.

Rate & Term Refinance I want a lower rate or a different term Replace your current mortgage to lower your rate, payment or term. Learn more Cash-Out Refinance I want to turn home equity into cash Refinance for more than you owe and take the difference in cash. Learn more HELOC I want a flexible line of credit A revolving line of credit secured by your home's equity. Learn more Home Equity Loan I want a lump sum with a fixed payment Borrow a fixed amount against your equity with a fixed rate. Learn more Second Mortgage I want to borrow without refinancing A loan behind your first mortgage: lump sum or line of credit. Learn more Reverse Mortgage I am 62+ and want to access my equity Turn home equity into cash with no required monthly mortgage payment. Learn more

Investors and flexible qualifying

Programs for self-employed borrowers, real estate investors and buyers from abroad.

Non-QM Loan I am self-employed or have non-traditional income Qualify with bank statements, 1099s, P&L or assets instead of tax returns. Learn more DSCR Investor Loan I want to qualify with rental income Qualify based on the property's rent, not your personal income. Learn more Foreign National Loan I live outside the U.S. and want to buy here U.S. financing for non-residents with no Social Security number or U.S. credit. Learn more

Talk to a loan officer

Not sure which loan is right?

Tell us your goals and a loan officer will walk you through your best options, side by side.

No cost and no obligation
We can fill out the application for you
Evening and weekend calls available

Prefer to call? (800) 592-8882