Business Details
24 Years
experience
Emergency
services
Trusted Mortgage Solutions Nationwide
Fidelity Funding Bancorp is a nationwide direct lender with over two decades of experience in mortgage financing. Our team of mortgage professionals prioritizes customer satisfaction through competitive rates, transparent processes, and personalized support. We leverage technology to simplify the mortgage journey while maintaining a human-centric approach with real agents available beyond standard business hours. Our commitment to sound business practices, integrity, and innovative solutions has established us as a trusted partner for thousands of homeowners. We specialize in tailored loan programs that adapt to evolving market conditions, including relock policies for rate drops and appraisal refunds.With a focus on education and convenience, we guide clients through every step of the mortgage process, whether purchasing a home or refinancing existing loans. Our track record includes eliminating private mortgage insurance for eligible borrowers and offering flexible options like conventional, VA, FHA, jumbo, and reverse mortgages. We pride ourselves on building long-term relationships through exceptional service and financial expertise.
Services
Refinance Loans
Conventional Financing
VA Loans
FHA Loans
Jumbo Loans
Reverse Mortgages
First-Time Buyer Programs
PMI Removal
Cash-Out Refinancing
Rate/Term Adjustments
Details
- Year established: 2002
Highlights and features
- We offer a stress-free mortgage process with application assistance
- Our relock policy guarantees rate adjustments during rate drops
- We provide appraisal refunds as standard practice
- We match or beat competitors' rates with cash incentives
- Our team offers 24/7 personalized mortgage support
Associations and certifications
- NMLS ID# 1076900
What people say
Knowledgeable agents
Stress-free process
Best rate guarantee
24/7 support
Appraisal refunds
Services
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer rate/term refinancing, cash-out options, and specialized programs for converting adjustable-rate mortgages to fixed-rate loans. Our relock policy ensures you receive the lowest available rate throughout the process.
VA Loans
We specialize in VA-guaranteed mortgages for service members, veterans, and eligible spouses. Our programs feature competitive rates, no down payment requirements, and streamlined refinancing options. Our team has processed over 20 million VA loans nationwide with dedicated support for military families.
FHA Loans
Our FHA loan programs require as little as 3.5% down payment with flexible credit requirements. We offer specialized guidance for first-time homebuyers, including mortgage insurance premium analysis and long-term cost comparisons with conventional financing options.
Reverse Mortgages
We provide HUD-approved reverse mortgage solutions for homeowners aged 62+. Our counselors explain payment options, interest rate structures, and estate planning considerations to help seniors convert home equity into tax-free income while maintaining property ownership.
First-Time Buyer Programs
Our first-time homebuyer programs include down payment assistance guidance, pre-approval support, and mortgage education resources. We help clients understand loan estimates, closing costs, and long-term affordability while connecting them with local real estate partners.
People
Carolyn Chu
President
With over 20 years in mortgage banking, Carolyn leads Fidelity Funding Bancorp's strategic direction. She pioneered the company's relock policy and appraisal refund program, maintaining a client-centric approach that has earned multiple industry awards.
Danny
Senior Loan Officer
Specializing in first-time homebuyer programs, Danny has helped over 500 clients achieve homeownership. His expertise in credit rehabilitation and down payment optimization makes him a trusted advisor for new buyers navigating complex financial situations.
John
Mortgage Consultant
John specializes in VA loans and military relocation assistance. With a decade of experience, he provides personalized support for service members transitioning between duty stations, ensuring seamless mortgage solutions that align with military benefits.
Elvis
Loan Processing Manager
Elvis oversees Fidelity Funding Bancorp's streamlined closing process. His team ensures documentation accuracy and compliance while maintaining average closing times 30% faster than industry standards through proprietary workflow optimization techniques.
Janet
Client Relations Director
Leading customer service initiatives, Janet developed the company's 24/7 support framework. She manages client feedback systems that contributed to Fidelity Funding Bancorp's 98% customer satisfaction rating across recent loan cycles.
Questions
What mortgage loan types do you offer?
We provide conventional, VA, FHA, jumbo, reverse mortgages, and first-time buyer programs with personalized rate comparisons.
How does your best rate guarantee work?
If you find a lower rate during processing, we'll match it and add a $1,000 cash incentive to your closing costs.
Can I refinance to remove PMI?
Yes, we help homeowners eliminate private mortgage insurance when equity reaches 20% through rate/term refinancing.
Do you offer 24/7 customer support?
Our loan officers provide round-the-clock assistance via mobile for urgent mortgage-related inquiries.
What is your relock policy?
We automatically adjust your interest rate downward if market rates drop during your loan processing at no extra cost.
