Residential Lending | Bankers Fidelity Capital Advisors

Residential Lending

30 Year Fixed Rate Loans

Bankers Fidelity's 30 year fixed rate home loans are perfect for borrowers wanting a safe, long-term solution to purchasing or refinancing.

Loan amounts from $100,000 are available with loan-to-values up to 97% (call for specific criteria) and all programs are available including FNMA, FHLMC, FHA, VA, and all government-assistance programs as well.

Our fixed rate programs routinely beat the rates and fees offered by major banks.

3, 5, 7, and 10 Year Fixed/Arm Loans

For those seeking lower interest rate options who also want the safety of fixed interest rates, Bankers Fidelity's fixed/adjustable options may just be the solution to "having it both ways".

Loans are fixed for the first 3, 5, 7, or 10 years and then automatically convert to annually adjustable rates for the remaining of 30 years. There is generally no prepayment penalty so borrowers can always refinance to another loan product whenever the market may be in their favor.

Jumbo Home Loan Financing

Jumbo home loans are those loans that exceed the current FNMA/FHLMC limits. These limits vary by county, but generally loan amounts must be greater than $625,500 and up to $5,000,000 or more.

Bankers Fidelity has a variety of Jumbo Home Loan solutions including 3, 5 7, 10 year fixed/adjustable options as well as 30 year fixed rate programs.

Please call a Bankers Fidelity residential teamleader for more information.

Reverse Mortgages

Designed for homeowers 62 years or older, a reverse mortgage is ideal for those who have equity in their home but have limited income. In a reverse mortgage a borrower can get a lump sum, a credit line, or stable monthly income without having to make monthly payments. A reverse mortgage option is also available for a home purchase as well! Plus, borrowers with poor credit can qualify (even if they are currently in Chapter 13 bankruptcy)Please call a Bankers Fidelity residential teamleader for more information.

Portfolio and Private Client Financing

Unlike other mortgage lenders, Bankers Fidelity caters to the high-profile prestige clientele of our member banks, attorneys, CPA's, and Realtors. Programs are customized to meet the needs of the client's overall investment strategies. In addition, expanded underwriting criteria is employed that takes into consideration the size of the client's investment portfolo and unique cash flow requirements wth leverage options up to 90% LTV, Loans are available to $10,000,000 or more.

Your Bankers FIdelity residential teamleader can help you structure the right financing for your needs.