I came to Fidelity Funding for help at a difficult time for me and my family and really needed a company that understood our needs and would give us the best options possible for our situation. Carolyn Chu and her very knowledgeable and professional staff walked us through our options and advised us not as if we were customers but as people they really cared about. The best decision we made during that period was the decision to contact Fidelity Funding and to seek help from Carolyn and her friendly professional staff. Can’t recommend them enough.
Nationwide direct lender · 25+ years
Lowest Rate Guarantee
We can match or beat any rate—
or get a $1,000 towards closing cost.
- Best Rate Guarantee
- Appraisal Refund
- Free Relock

Programs available through Fidelity Funding
- Fannie Mae
- Freddie Mac
- FHA
- VA
- USDA
- Jumbo
- Non-QM
- DSCR
- Foreign National
- HELOC
- Reverse Mortgage
- Renovation
Loan programs
Find the loan that fits your plans
Conventional LoanI want a flexible loan with competitive ratesLearn more
FHA LoanI want a low down payment and flexible creditLearn more
VA LoanI served and want to use my benefitsLearn more
Jumbo LoanI want to finance a higher-priced homeLearn more
Non-QM LoanI am self-employed or have non-traditional incomeLearn more
Foreign National LoanI live outside the U.S. and want to buy hereLearn more
Browse every program
View all loan programsFixed, adjustable and payment options
Refinance and home equity
Investors and flexible qualifying
The Fidelity promise
Four commitments you will not find everywhere
For more than 25 years, these promises have been part of every loan we close.

Stress-Free Process
Our loan officers will even fill out the loan application for you, then guide you through every document and deadline.

Relock Policy
If rates drop while your loan is in process, we reduce your rate to the lowest prevailing rate at no cost to you.

Appraisal Refund
When you close with us, we refund your total appraisal fee regardless of the appraised value.

Best Rate Guarantee
Show us a better rate or lower closing costs from a competitor. We will match or beat it and give you an extra $1,000.
A loan officer you can actually reach
Our loan agents share their cell numbers and take calls in the evening and on weekends, because buying a home does not stop at 5 PM. You will work with the same person from your first question to the day you get your keys.
About Fidelity FundingHow it works
Three steps to closing
- 1
Talk with a loan officer
Share your goals. We review your options and can complete the application with you over the phone.
- 2
Get pre-approved
Send your documents through a secure link. We lock your rate and, if rates drop, relock it lower at no cost.
- 3
Close with confidence
We coordinate the appraisal, underwriting and title, then refund your appraisal fee when you close.
Payment calculator
See your payment before you talk to anyone
Move the sliders to see principal, interest, taxes, insurance and HOA update live. No email required.
Taxes, insurance and HOA
Estimated monthly payment
$0
Excludes mortgage insurance; your actual payment may be higher.
- Principal & interest$0
- Property tax$0
- Insurance$0
- HOA$0
Estimate only. The rate shown is an example, not a quote or offer of credit.

Evenings and weekends
Buying a home does not stop at 5 PM. Neither do we.
Our loan officers share their cell numbers and pick up when you need them, from the first question to the day you get your keys.
Client stories
Proudly serving more than 100,000+ satisfied customers
Straight from the clients who have closed with Fidelity Funding.
Testimonials
Get started
Two minutes now. Real answers today.
Answer a few quick questions and a licensed loan officer will call you with options and today's pricing, usually the same business day.
- No cost and no obligation
- No Social Security number needed for this step
- We can fill out the full application for you
- Backed by the Best Rate Guarantee
Prefer to call? (800) 592-8882
Common questions
Answers before you apply
Have a question that is not here? Ask our chat assistant or call (800) 592-8882.
How long does it take to close a mortgage?
Most purchase and refinance loans close in about 21 to 30 days once your documents are in. Non-QM, DSCR and foreign national loans can take a little longer because income and assets are reviewed differently. Your loan officer will give you a timeline on the first call.
Will checking my options hurt my credit?
Talking with a loan officer and getting an estimate does not affect your credit. A credit report is pulled only when you are ready to apply, and we will tell you before that happens.
How much do I need for a down payment?
It depends on the program: VA and USDA loans can require no down payment, FHA starts at 3.5%, conventional loans start at 3% for eligible buyers, and investor and foreign national loans usually need 20% to 40%.
Do you work with self-employed borrowers and investors?
Yes. Non-QM bank statement loans qualify you on deposits instead of tax returns, and DSCR loans qualify investors on the rental income of the property.
Can you help buyers who live outside the U.S.?
Yes. Foreign national loans let international buyers purchase second homes and investment properties with a passport, visa and verified assets, without U.S. credit or a Social Security number.
What is the Best Rate Guarantee?
If you find a better rate or lower closing costs from another lender on the same loan, show us the written estimate. We will match or beat it and add $1,000 on top.
Ready to see your real rate?
Talk to a licensed loan officer today. No cost, no obligation.



