Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (850) 805-6900
Apply Now

View Loan Assumptions
 Rates subject to change without notice

 Conforming Loan amounts up to $548,250 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Emerald Coast Mortgage Programs

Emerald Coast Home Purchase Mortgages

Fidelity Home Group is here to help you find the financing for your home purchase that’s best for you—whether you’re just starting out, tired of renting or upgrading to your dream home in the Emerald Coast area. With free preapprovals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 


Emerald Coast Self-Employed | Business Owners Mortgage

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.

Emerald Coast Condo Mortgage Programs

Condominiums are classified as Warrantable, Non-Warrantable or a Condotel. Condos are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them. Unit owner pays property taxes only on his or her unit, and may mortgage, rent, or sell it just like any other personal property.

New Construction Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Our New Construction Programs is a one-close construction loan:

  • 70% LTV with no requalification required post-construction
  • 90% LTV option with requalification required post-construction
  • Simple and flexible draw process with no set schedules

Conforming Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:

FHA Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Federal Housing Administration mortgages are great first-time home buyers! FHA Mortgage have flexible lending standards to benefit:

  • Minimum Down Payment of 3.5%.
  • Minimum score of 620.
  • Debt-to-income ratios under 55%.

Jumbo Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-priced or luxury home:

    • Credit scores as low as 680 may qualify
    • Buy with as little as 10% down payment
    • Loan amounts up to $5,000,000

Renovation Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:

  • Renovation work can begin immediately
  • Remodel the updates/additions you want
  • Simplicity: one closing and one monthly payment

Veterans [ VA ] Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as $0 down
  • Certificate of Eligibility Required

Investment Home Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Thinking of buying an additional property for a new source of income? Consider an investment home with the option of long or short terms rental income:

  • Minimum down payment of 15%
  • Minimum credit score 700
  • Debt to income ratio under 43%

Second Home Mortgages

emerald coast mortgage, emerald coast mortgage broker, emerald coast condo mortgage, emerald coast mortgage rates, emerald coast condotel mortgage broker, emerald coast mortgage calculator, mortgage broker near me,

Buying a second home or vacation home is a dream for many Americans. It is occupied by the owner some portion of the year and is a good decision for retirement:

  • Minimum down payment of 10%
  • Minimum credit score 680
  • Debt to income ratio under 43%

Get Pre-Approved by Florida Mortgage Experts

Emerald Coast Home Purchase Mortgage

*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
 
Copyright © 2021 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Not intended for legal or financial advice, consult your own professionals if such advice is sought. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use