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Fidelity Residential home
Fidelity Residential

Home loans and investor financing from a direct, licensed lender.

Home purchase, refinance, home equity and rental property loans. Talk to a licensed loan officer, get a quote, or apply online.

Get a quote Apply online

Prefer to talk? Call 732-686-9999

  • NMLS #103098
  • Licensed in 40 states and DC
  • Equal Housing Lender

What would you like to do?

Pick the one closest to you. Each page explains how the loan works and how to start.

Get a quote

Ready for the full application? Apply online

Fidelity Residential · NMLS #103098 · Equal Housing Lender

  • Direct, licensed lenderNMLS #103098. Check our licences on NMLS Consumer Access.
  • 40 states and DCLicensed for home loans in 40 states and the District of Columbia.
  • A licensed loan officerA real person reviews your file and answers your questions.
  • Apply online or by phoneStart a quote, apply online or call 732-686-9999.
How can we help?

Loans for buyers, homeowners and investors

Start from where you are. Each page explains how the loan works, in plain words, and how to get a quote.

Buying a home

Buy a home

Conventional, FHA, VA, USDA and jumbo loans for first-time and move-up buyers, with a fixed or an adjustable rate.

Buying a home
Refinancing

Refinance your mortgage

Change the rate or the length of your loan, move from an adjustable to a fixed rate, or replace your mortgage with a larger one and take the difference in cash.

Refinancing your mortgage
Home equity

Use your home equity

Borrow against the value you have built up. A cash-out refinance replaces your mortgage; a home equity line of credit or a fixed-rate second mortgage sits behind it and leaves your first mortgage in place.

Cash-out refinances
Real estate investors

DSCR rental loans

A loan on a rental property qualified on the property’s own rent instead of your personal income. No tax returns or pay stubs; credit, assets and the appraisal are still checked. For business purposes only.

Debt service coverage (DSCR) loans
Real estate investors

Fix and flip and bridge loans

Short-term financing to buy and renovate a property, then sell it or refinance it into a long-term loan. Renovation money is released in draws as the work is done. For business purposes only.

Fix and flip / bridge loans
Self-employed

Other ways to document income

Being self-employed does not mean you cannot get home financing. Some programs look at bank statements or assets instead of tax returns; ask a loan officer whether one fits.

Alternative documentation loans

More for real estate investors

Who we are

A direct, licensed mortgage lender

Fidelity Residential is a dba of PFN Lending Group, Inc., a direct, licensed mortgage lender, NMLS #103098.

Home loans offered include fixed and adjustable rate options, FHA, VA and USDA mortgages and more, with a variety of closing cost options to fit your needs.

We also finance rental properties and renovation projects for real estate investors, as business-purpose loans.

A licensed loan officer reviews your file and answers your questions, from the first quote to closing.

About the company

Loan options

All loan options

Fidelity Residential by the numbers

  • 26 Years experience
  • 40 States licensed, plus DC
  • More than $7 Billion funded
  • More than 14,300 Loans funded

Read more about Fidelity Residential

How it works

From first question to closing

Most loans follow the same four steps, whatever the program.

  1. Tell us your goal

    Start a quote online or call us. A loan officer asks about the home, your savings, income and credit, and explains which programs fit.

  2. Apply and send documents

    You complete the application and allow a credit report. The underwriting findings list the documents your loan needs.

  3. The property is valued

    An appraiser values the home. Investor loans also look at the rent the property can earn or its value after the work is done.

  4. Underwriting and closing

    An underwriter checks your file against the program rules. When the conditions are met, you review your closing documents and sign at closing.

Licensed and reviewed

Easy to check before you call

Licensing

Licensed in 40 states and the District of Columbia

Fidelity Residential is a dba of PFN Lending Group, Inc., NMLS #103098. The full, current licence list is on NMLS Consumer Access.

NMLS Consumer Access (opens in a new tab)
Calculators

Run the numbers yourself

Estimate a payment, compare two loans, plan an early payoff or test a refinance. Results are estimates, not offers.

Should I refinance?

Weigh the cost of a refinance against the change in payment.

Open the calculator

All calculators

Ready to talk about your loan?

Get a quote, apply online, or talk it through with a licensed loan officer.

Get a quote Apply online Call 732-686-9999

This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice.