Fidelity Bancorp Funding

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fidelityPhone: 877-585-3863

Address: 1551 N Tustin Ave., Ste 700, Santa Ana, CA 92705



States They Lend In: Nationwide


FHA Home Loan


An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with an easy and fast FHA loan, qualifying is simple!


How it Works/Payments


•Pay your mortgage at any time without pre-payment penalties
•30-, 25-, 20- and 15-year terms are all available with fixed rates
•5-year adjustable-rate mortgage available


Qualification Requirements


•Credit scores as low as 580 may qualify
•Refinance up to 97.75% of your primary home’s value
•Buy a home with as little as 3.5% down (primary home)


Working with Fidelity Bancorp Funding


•We put YOU first.
•Fidelity Bancorp Funding offers some of the most competitive rates in the Nation!
•Fast and efficient, we close most of our loans in 21-30 days or sooner if needed.
•We offer a variety of loans. Fidelity Bancorp Funding will find you the loan that is right for you!


Multi-Family Loan Programs


We see the big picture and present you with a variety of loan programs customized to fit your plans. From $250,000 to $10,000,000+ we can tailor your funding to match your pricing needs and investment objectives. With our team in your corner you can be confident in building your property portfolio.

Pair our Multi-Family program with our 1-4 unit cash out program or our bridge loan program for your down payment needs or to bridge a gap.


Some of the highlights of our program include:


•Amortizations of 15 and 30 Years
•3, 5, 7, 10, 15 Year Fixed Rate Terms
•No Prepay Options
•No Tax Return Options
•Monthly/Annual Leases Acceptable
•Interest Only
•A, B and C Property Types Considered
•Entity Ok
•Maximum LTV 80% / 85% CLTV
•Non Recourse
•A Minimum DSC of 1.15:1
•60 Day Rate Lock

Mobile Home Parks may be eligible for our Apartment Loan Program with 15+ Pads. We’ll expect you to have property management experience for properties with 12 or more units, alternatively you can supply a property management letter and resume.


Conventional (Investor) Commercial Loan


What do you need to fund? We have you covered for both traditional and non-traditional properties from $500,000 to $25,000,000. Take a look at our non-conforming, owner-occupied or investor commercial loan program which provides up to 90% commercial financing on a 25/30 year terms.


Some of the highlights of our program include:


•Owner-occupied or investment properties
•Traditional commercial properties
•Amortizations at 15, 20, 25 and 30 years
•3, 5, 10 and 15 Year Fixed Rates
•Up to 75% LTV or 75 CLTV
•Recourse and Non-Recourse Options
•Minimum Credit Score


If you’re searching for commercial funding between $100,000 and $500,000 then talk with us about our program which features:


•Owner-occupied or investment properties
•Traditional or non-traditional commercial properties
•Full Document, Low-Doc and Stated Income Options
•No Doc Owner Occupied and Investor Commercial Loans
•30 Year Amortizations
•3 Month, 2, 5 and 30 Year Fixed Rates
•85% LTV on Refinances
•Cash Out Refinances to 75%
•Flexible Prepayment Options
•20% Annual Prepay With No Penalty
•Low Minimum 1.25 DSCR
•Minimum 600 Credit Score

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  1. Their experience has been invaluable in allowing me to get the deals done for each property and leverage my real estate portfolio. As an investor, I wish each transaction was the same and easy, however I know that has not been the case for me. I’ve worked with a few members of their team and each has been helpful. Any real estate investors I meet, I send their way.

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