Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (352) 480-5800
Apply Now
the villages fl mortgage rates, the villages fl mortgage, the villages fl mortgage company, the villages fl mortgage broker, the villages fl mortgage calculator, the villages fl bridge loans, the villages fl second home mortgage, the villages fl investment property mortgage,

Welcome to

Fidelity Home Group

Serving The Villages Florida
the villages fl mortgage rates, the villages fl mortgage, the villages fl mortgage company, the villages fl mortgage broker, the villages fl mortgage calculator, the villages fl bridge loans, the villages fl second home mortgage, the villages fl investment property mortgage,

Home Purchase Mortgage Programs

The Villages Florida Mortgage Refinance Rates

Refinance Mortgage Rates

View Loan Assumptions
 Rates subject to change without notice

 Conforming Loan amounts up to $806,500 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Fidelity Home Group is your local Mortgage
Company serving The Villages, Florida!

Serving The Villages, FL, we are Florida Mortgage Experts! With an office located minutes off FL-44 near Brownwood Paddock Square, we offer more options, more transparency and a simpler way to find the right mortgage program for your unique home buying or refinancing situation.

Whether you are looking for a mortgage program for your Primary HomeSecondary Home or Investment Property, we have a personalized solution for your unique situation. We offer traditional mortgage programs including VAFHAUSDA and a 3% Down Payment option.

If you have an existing mortgage with a low interest rate and want to tap into your home’s equity without altering your first mortgage, we offer several Home Equity Loan Solutions tailored to your needs. These include Home Equity Lines of Credit [ HELOC ] and Home Equity Loans [ HELOAN ], also known as a second mortgage.

For those who are a Business Owner or are Self-Employed and are moving to The Villages, FL, you may need a Bank Statement, a One-Year Tax Return1099 or a P & L loan.

If you are retired and draw on your assets when money is needed, we offer an Asset Depletion / Qualifier Mortgage that uses your assets as your income. If you have a lot of assets, but show little-to-no income on your tax returns, an asset qualifier loan may be for you. Asset Qualifier loans are also known as “asset based mortgages”. Some people even refer to them as “no income, high asset loans”. How our asset qualifier loan works is we take your total assets and divide that total by 60 [ the minimum number of months in a 5 year mortgage needed for or qualification ]. When calculating the total amount of your assets, you can use 100% of what is liquid (such as bank accounts, stocks, retirement accounts, etc..) if you are 59.5 and older. If you are less than 59.5 years old, the retirement funds are calculated at 50% of face value. 

For Real Estate Investors, we offer ways to mortgage your investment property with a traditional investment property mortgage, Fix and Flip Loan, or utilize our DSCR [  Debt Service Coverage Ratio ] Program that uses the property’s annual net operating income vs it’s mortgage payment to qualify. If you are planning to buy a new home before selling your current home and need cash for the down payment and closing costs, a short term Bridge Loan maybe a good option for this solution. If you purchased your home with cash in the last 90 days and want to get cash out, be sure to look at our Delayed Financing Mortgage Program.

If you prefer to build your own home in the area, we offer New Construction Loans if you have purchased land and wish to build your home with your builder. The existing land loan [ if applicable ] can be consolidated into new construction loan and the interest rate at closing may qualify for an interest rate float-down adjustment during the construction period to permanent financing. If you need to buy land, we do offer Land Loans to use in conjunction with our New Construction Loan Programs.

Contact one of our Florida Mortgage Experts for a Consultation, or use our Home Purchase Qualifier to expedite your Mortgage Pre-Approval, or get a customized Mortgage Rate Quote with no personal information needed. 

You need a partner who knows neighborhoods, the current mortgage market and the home buying process. We will advise you when to think on it, sleep on it or go all in on it.