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 Conforming Loan amounts up to $548,250 | FHA Loan Limits are specific to Monroe County Florida
Check to See Monroe County Florida FHA loan limits here

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 Rates subject to change without notice

Florida Keys Home Purchase

Florida Keys Home Purchase Mortgage

Fidelity Home Group is here to help you find the financing for your home purchase that’s best for you—whether you’re just starting out, tired of renting or upgrading to your dream home in the Florida Keys. With free preapprovals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 

Florida Keys First-Time Home Buyer Programs

This program is ideal for homebuyers who don’t have the funds to cover the cash required at closing or for those who have the cash but need it for expenses such as home improvements, an emergency fund or education. The benefits include flexible funding and over 100% financing. All buyers must complete Fannie Mae Buyers Education Classes for ALL to qualify.

Florida Keys Down Payment Assistance Mortgage

Fidelity Home Groups Home Buyer Programs help hopeful homeowners with several options. These programs also assist Americans in securing mortgages when they don’t have the best credit scores. Some even cater to specific professions like those in Firefighter, Law Enforcement, Educators, Health Care Workers and the Military.

Florida Keys Self-Employed | Business Owners Mortgage

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.

New Construction Mortgages

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Our New Construction Programs is a one-close construction loan:

  • 70% LTV with no requalification required post-construction
  • 90% LTV option with requalification required post-construction
  • Simple and flexible draw process with no set schedules

Conforming Mortgage Program

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Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:

FHA Mortgage Program

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Federal Housing Administration mortgages are great first-time home buyers! FHA Mortgage have flexible lending standards to benefit:

  • Minimum Down Payment of 3.5%
  • Minimum score of 620
  • Debt-to-income ratios under 55%

Jumbo Mortgages

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Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-priced or luxury home:

    • Credit scores as low as 680 may qualify
    • Buy a home with as little as 10% down payment
    • Loan amounts up to $5,000,000

Renovation Mortgage Program

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Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:

  • One Loan: The loan covers the purchase plus renovation costs
  • Renovation work can begin immediately
  • Remodel the updates/additions you want
  • Simplicity: one closing and one monthly payment

Veterans [ VA ] Mortgage

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Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as $0 down
  • Certificate of Eligibility
  • VA loans were designed to offset common financial challenges faced by military families and veterans.

Investment Home Mortgages

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Thinking of buying an additional property for a new source of income? That would be considered an investment home with long or short terms rentals:

  • Minimum down payment of 15%
  • Minimum credit score 700
  • Debt to income ratio under 43%

Second Home Mortgages

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Buying a second home or vacation home is a dream for many Americans. It commonly is a good decision for retirement:

  • Minimum down payment of 10%
  • Minimum credit score 680
  • Debt to income ratio under 43%
Florida Keys Home Purchase

*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
 
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