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 Rates subject to change without notice

 Conforming Loan amounts up to $647,200 | FHA Loan Limits are specific to each Florida County
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Florida Keys Mortgage Programs

Your Mortgage Concierge

Whether you’re a new home buyer, or you’ve purchased a home before, it’s important to evaluate what type of mortgage fits your lifestyle. Our Mortgage Experts will help you consider your goals as a homeowner and provide the best financing solution. Let us help you better understand the home buying process and your options.

Florida Keys Mortgage Programs

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 pre-approvals, 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 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.

Florida Keys Condo Mortgages

Condominiums are classified as Warrantable, Non-Warrantable or a Condotel. Condos are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them. Unit owner pays property taxes only on his or her unit, and may mortgage, rent, or sell it just like any other personal property.


New Construction Mortgages

Florida Keys Construction Mortgage Loans

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 Mortgages

Florida Keys Conforming Mortgage Loans

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

FHA Mortgages

Florida Keys FHA Mortgage Loans

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

Florida Keys Jumbo Mortgage Loans

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 with as little as 10% down payment
  • Loan amounts up to $5,000,000

Renovation Mortgages

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

  • Renovation work can begin immediately
  • Remodel the updates/additions you want
  • Simplicity: one closing and one monthly payment

Veterans [ VA ] Mortgages

Florida Keys Veterans Mortgage Loans

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 Required

Investment Home Mortgages

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Thinking of buying an additional property for a new source of income? Consider an investment home with the option of long or short terms rental income:

  • 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 is occupied by the owner some portion of the year and is a good decision for retirement:

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

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