It might be time to refinance your mortgage for a lower interest rate. Or you might need to use the equity in your home for college tuition, to start a new business, or make some home improvements. No matter what the reason, Fidelity Bank has the mortgage products, home equity loans, and customer service you'll need. Our experienced home loan specialists will meet with you personally to help you choose the loan that's right for you. Here are some of the most popular mortgage programs we offer. If you're interested in a home equity loan click here for quick access to our home equity products.

If the need for the security of a fixed monthly payment out weighs the rate of interest, then this product is right for you. The interest rate is fixed for the life of the loan and cannot be affected when national interest rates fluctuate. We'll help you choose from 10, 15, 20 up through 30 year terms and point options including a No points/No closing cost program and jumbo loan programs.

Adjustable-Rate Mortgage

If paying a lower interest rate in the early years of your mortgage loan out weighs your need for a fixed monthly payment then this product is right for you. The interest rate is discounted initially making your payments lower when you need it most. We offer a variety of conforming and jumbo adjustable rate programs, some with special conversion features. Talk to our home loan specialists. They'll help you choose the adjustable rate mortgage that feels comfortable to you.

Transformer Mortgage

Take advantage of a competitively priced adjustable rate mortgage with a 3, 5, or 7-year initial fixed rate period. With the Transformer Mortgage you get the best of both worlds.  When the fixed rate period ends, the loan changes to a one- year adjustable rate mortgage. However, the Transformer Mortgage comes with a built in free conversion option. At any time during the first 10 days of the month and through the 60^th month of your mortgage, you can choose to convert your loan to a 30-year fixed rate mortgage. All with just one phone call to Fidelity Bank. It's like refinancing your mortgage for free!

Check out our Easier-than-it-looks Mortgage Checklist by clicking here. This checklist will help you get a jump on the documentation needed to apply for a mortgage while helping us expedite your application.

If you'd like to apply for a mortgage click here, fill out the request form and E-mail it to us. A home loan specialist will contact you to go through the details of our programs. Or call 1-800-581-5363. Click here for a listing of our home loan specialists. We'll meet with you to personally help you choose the mortgage that's right for you.