Fidelity Funding Bancorp

Business Details

Your Trusted Mortgage Partner in Alhambra, CA

Fidelity Funding Bancorp is a nationwide direct lender with over two decades of experience in mortgage banking. Our team of professionals prioritizes transparency, integrity, and personalized service, ensuring clients receive competitive rates and tailored loan solutions. We leverage technology to simplify the mortgage process, offering convenience and accessibility to homeowners across the country. Our commitment to sound business practices and customer satisfaction has solidified our reputation as a trusted leader in the industry. We specialize in refinance and purchase loans, including conventional, VA, FHA, jumbo, and reverse mortgages. Our unique benefits include a best rate guarantee, appraisal refund, and relock policy to protect clients from rate fluctuations.

With a focus on education and support, we guide clients through every step of the mortgage journey, fostering long-term relationships built on trust and expertise. Our loan officers are available via phone even after hours and on weekends, ensuring timely assistance for all inquiries. Backed by thousands of satisfied customers, we remain dedicated to delivering exceptional service and achieving equitable housing opportunities for all. Our mission is to empower clients with informed decisions that align with their financial goals while maintaining the highest standards of professionalism.

Services

Refinance Conventional Loans VA Loans FHA Loans Jumbo Loans Reverse Mortgage Purchase Loans First-Time Buyer Programs Cash-Out Refinance PMI Removal

Highlights and features

We offer a stress-free mortgage process with expert guidance from application to closing.
Our relock policy guarantees the lowest prevailing interest rate during the loan process.
We provide an appraisal refund as a token of appreciation for your business.
Our best rate guarantee ensures we match or beat competitors' offers with $1,000 extra.
Real support from personable loan agents available via phone after hours and weekends.

What people say

Stress-free process Knowledgeable agents Best rate guarantee Exceptional customer service Quick response

Website

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Services

Refinance

Refinancing replaces your existing mortgage with a new loan to secure lower rates, reduce payments, or access home equity. Ideal for homeowners seeking financial flexibility, this service helps build equity faster or consolidate debt. Fidelity Funding Bancorp simplifies the process with expert guidance and competitive terms.

Conventional Loans

Conventional loans suit borrowers with strong credit seeking flexible home financing. These fixed or adjustable-rate mortgages adhere to Fannie Mae and Freddie Mac guidelines, offering low costs and straightforward qualification. Fidelity Funding Bancorp provides personalized support to streamline your home purchase or refinance.

VA Loans

VA loans offer eligible veterans and service members zero-down payment options and favorable terms. Guaranteed by the U.S. Department of Veterans Affairs, these loans promote affordable homeownership. Fidelity Funding Bancorp specializes in guiding veterans through the VA loan process with expertise and respect.

FHA Loans

FHA loans require minimal down payments (as low as 3.5%) and cater to first-time buyers or those with limited credit history. Insured by the Federal Housing Administration, they provide accessible pathways to homeownership. Fidelity Funding Bancorp ensures a smooth FHA loan experience with clear communication and support.

Reverse Mortgage

Reverse mortgages convert home equity into cash for homeowners aged 62+. Designed to supplement retirement income, these loans eliminate monthly payments while allowing borrowers to remain in their homes. Fidelity Funding Bancorp educates seniors on benefits and risks to ensure informed decisions.

Questions

What mortgage loan programs does Fidelity Funding offer?

We provide refinance, conventional, VA, FHA, jumbo, reverse mortgages, and first-time buyer programs tailored to diverse financial needs.

How does Fidelity Funding's best rate guarantee work?

If you find a better rate or lower closing costs during your loan process, we'll match or beat it and add $1,000.

Can I refinance to remove PMI?

Yes, if your home equity exceeds 80%, we can refinance to eliminate costly private mortgage insurance.

Are Fidelity Funding's services available nationwide?

Yes, we serve clients across the U.S., with loan officers available via phone after hours and weekends.

What is the relock policy?

If rates drop during your loan process, we'll reduce your interest rate to the lowest prevailing rate at no extra cost.

How do I start the mortgage process?