We send the policy back to you
Every purchase borrower has to bind an HO-3 or HO-6 before closing. We route that need to you — the referring agent — so the policy lands on your book, not a lead aggregator’s.
Warm lead · Referring agentEvery purchase borrower has to bind a new HO-3 or HO-6 before closing — so we route that policy need straight back to you, the referring agent, not a 1-800 number. Our 23-day predictable close tells you exactly when the binder is due, so there’s no Friday fire drill. In a P&C hard market where retention is bleeding, a reliable lender is a new-business pipeline. And we pay zero referral fees — anti-rebating-clean on your side, RESPA-clean on ours.
Retention is getting harder and carriers are non-renewing books you spent years building. A fast-closing lender hands you a warm, deadline-driven policy at the exact moment a household has to buy coverage. Here’s what that does for your agency.
A purchase means a new HO-3 or HO-6 — and usually the auto bundle that follows a move. A lender that actually closes is a predictable stream of new business at the exact moment retention is getting harder.
No purchase closes without a bound policy and a mortgagee clause. So every purchase borrower becomes a warm, deadline-driven insurance lead handed to your agency — not routed to a captive or a 1-800 number.
Our 23-day predictable close plus a real-time status portal show exactly when the binder and mortgagee clause are needed. No Friday “we close Monday, send a binder now” fire drills.
When a mortgage falls through, your policy evaporates: no closing, no premium, hours wasted re-issuing. A real close rate protects the business you already earned and quoted.
We pay nothing and ask nothing. That keeps you clear of state anti-rebating and anti-inducement statutes and keeps us clear of RESPA Section 8 — the kind of arrangement that survives a DOI exam or a CFPB look.
A new mortgage is the cleanest reason a 35-year-old finally buys coverage. We hand you the borrower at the moment the need is obvious — and their income was just fully documented.
This isn’t a one-way street where you feed a lender and get a thank-you note. It’s a two-way engine: you send us a borrower, we close the loan, and the insurance that closing requires flows right back to your agency. Here’s exactly how each piece feeds your book.
Every purchase borrower has to bind an HO-3 or HO-6 before closing. We route that need to you — the referring agent — so the policy lands on your book, not a lead aggregator’s.
Warm lead · Referring agentA move is the #1 trigger to re-shop auto. A fresh home policy is your opening to bundle, lock the household, and lift retention — right when the client is making decisions.
Auto bundle · Household lockSee the close date, the exact mortgagee clause language, and the day the binder is due. Bind once, correctly — no guessing, no re-issuing, no Friday scramble.
Binder due-date · Mortgagee clauseYou’re not holding a binder open for 60–90 days or re-issuing because the loan slipped. A close date committed in writing means the policy effective date matches reality.
No re-issuing · Bind onceA new mortgage plus freshly documented income is the ideal term-life or mortgage-protection conversation. We hand you the borrower at the moment the need is obvious.
Term life · Mortgage protectionWhen we refinance your client down the road, the policy and escrow update flows back to you — a relationship touchpoint and a retention save you get credit for.
Escrow update · TouchpointA high close rate means the policies you quote actually bind. The premium you projected shows up — instead of evaporating when a flaky lender lets the deal die.
Close rate · Bound premiumPure reciprocity — no money, no thing of value either way. Defensible under state anti-rebating law on your side and RESPA Section 8 on ours.
Anti-rebating · RESPA-cleanHave a client buying right now? Tell us the close date — we’ll show you exactly when the binder is due.
Every Fidelity loan runs on the Mortgage Hub portal. With your client’s consent, you get read-only visibility into the close date, the conditions list, and the exact day the insurance binder and mortgagee clause are needed. No more “we close Monday, send a binder now” texts at 8 PM on a Friday.
No referral fees. No volume quotas. No exclusivity clauses. Just a lender that closes on schedule, tells you exactly when the binder is due, and routes every purchase borrower’s insurance need straight back to your agency.
Below are real reviews from Fidelity clients who mirror the households a referral hands to your agency — new homeowners binding their first policy, business-owner buyers, repeat purchasers, and investors insuring multiple properties. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
A senior team member responds within one business day. We will not add you to a marketing list, and no thing of value flows to you for any referral.