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Do you have a reason to refinance?

If you want to change from an adjustable rate mortgage to a fixed, or refinance a FHA home mortgage, or maybe you're looking to reduce your monthly payment, get cash-out for improvements, or pay off debts, look to us first, your leading lender in Annapolis, Maryland. There are numerous reasons to refinance, but you must be sure it is the right time and the right reason. We offer a free consultation to anyone interested in refinancing, so that we can help you decide if it is the right time for you.

Refinance Loan Options:

  • Fixed rate conventional options
  • Adjustable rate conventional options
  • ARM Advantages
  • Customized loan options
  • FHA home loans
  • VA home loans
  • VA Advantages
  • Rehabilitation loan options
  • Balloon Payment Options
  • Refinance Loan Options
  • Construction Loans (Residential and Commercial)

Are you looking to get cash-out for purchases? Do you want to lower your monthly payment? Maybe you want to start building equity to pay off your home faster. What ever the reason, we have the loan to suit your needs. We offer a variety of options and we can customize a loan for you. If you are unsure what loan you need, our experts can help you select the right loan and guide you through therest of the process.

**Jumbo loan amounts available on all programs including FHA and VA loans.

Fixed rate conventional options:

With a fixed rate conventional loan from Fidelity First Home Mortgage, your monthly payments will always be predictable. The interest rate is fixed for the life of the loan, so your monthly principal and interest payment will never change. Why hassle payment adjustments when you can lock in a low interest rate today that protects you from future interest rate increases. With a conventional refinance, get cash-out for large purchases, make improvements, or simply lower your monthly payment and save.

Adjustable rate conventional options:

If you want the advantage of a low initial interest rate, you may want to check out our conventional adjustable rate mortgages. If you are looking to move or payoff your mortgage in the next few years, you might refinance into an ARM in order to take advantage of lower interest rates and monthly payments until you move. With an ARM (adjustable rate mortgage), the interest rate will be fixed for a stated period of time and then becomes adjustable for the remainder of the loan. For example a 3 year ARM has a fixed interest rate for the first three years and then for the final 27 years the rate will adjust periodically. The interest rates changes periodically (normally once a year) based on the changes of current market interest rates. When the interest rate adjusts, so does your payment. If interest rates rise, your payment will rise. If the interest rate goes down, so does your payment.

ARM Advantages:

The initial interest rate is lower than that of most fixed rate mortgages. If interest rates go down you benefit from a lower interest rate and a reduced monthly payment. ARM loans offer the protection of Annual and Lifetime Caps.

Customized loan options:

We have various loan programs for our customers with unique needs. If you can't find a loan to fit your needs online, then call us. We have many more customized loan options that are not listed here, and we will be happy to customize a loan especially for you and your refinance needs.

FHA home loans:

If your home is currently financed with an FHA insured loan you are eligible to reduce you're current rate and save with the FHA streamline refinance program. This streamline refinance has reduced documentation requirements and it's easy to qualify. You can usually refinance with nothing more out of your pocket than you're normal monthly payment amount. So start working on a streamline refinance today and start saving on your monthly mortgage payment. FHA home loans are insured by the Federal Housing Administration (FHA), a division of Housing and Urban Development (HUD). HUD does not generally provide the funds for the mortgages, but they insure (see Mortgage Insurance) mortgage loans made by private industry lenders such as banks and mortgage bankers.

VA home loans:

If your original mortgage on your home is a VA mortgage, you are eligible for a VA rate reduction refinance. With virtually no paperwork, no qualification, no income verification, no appraisal, and no money out of your pocket you can reduce your interest rate and monthly payment. Just like your original VA loan the rate reduction refinance loan is guaranteed by The U.S. Department of Veterans Affairs. The VA loan programs allow veterans to obtain home loans with favorable loan terms, and refinance with ease all with minimal no cash-out-of-pocket. For VA housing loan purposes, the term "veteran" includes certain members of the Selected Reserve, active duty service personnel and certain categories of spouses.

VA Advantages:

Cash-out refinance loans available. No monthly mortgage insurance premium. With a Rate Reduction Refinance (no requalifying or appraisal required).

Rehabilitation loan options:

If you are looking to refinance to make improvements to your current home, look no further. We have a variety of loans customized to meet your home rehabilitation needs. If you can't find a loan to fit your needs online, then call us. We will be happy to customize a loan to meet your unique needs.

Balloon Payment Options:

If you plan to payoff your mortgage in less than 7 years, our conventional balloon options may suit you. With a conventional balloon loan, you get the benefit of a fixed monthly payment and a reduced interest rate. The interest rate is lower than most fixed rate loans and very attractive to borrowers who are likely to move within the balloon term.


Although your monthly payment may be reduced in refinancing your total finance charges may increase over the life of your new loan.

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707 Bestgate Road Annapolis, Maryland 21401