FIDELITY LOAN PROGRAMS
Financing built around the way you earn, buy, and invest.
From traditional home financing to alternative documentation, equity access, rentals, construction, and commercial property—we help you identify the clearest path forward.
SERVICE FAMILY
Core home financing
For borrowers purchasing or refinancing a primary residence, start with established programs and clear qualification paths.
Program paths
- Conventional — standard income documentation for traditional purchase or refinance scenarios
- FHA — lower down payment possibilities and flexible guidelines for eligible borrowers
- VA — financing benefits for eligible veterans, service members, and qualifying spouses
SERVICE FAMILY
Flexible qualification
Solutions for self-employed borrowers, real estate investors, and transactions that need a different underwriting approach.
Program paths
- Alternative Documentation — bank statements, profit-and-loss statements, or other approved income documentation
- DSCR — Rental Property — qualification focused primarily on the property’s rental cash flow
- Private & Hard Money — asset-focused short-term financing for non-standard or time-sensitive transactions
SERVICE FAMILY
Equity and timing
Access available home equity or solve the timing gap between transactions without forcing a one-size-fits-all structure.
Program paths
- HELOC — revolving access to home equity for renovations, planned expenses, or liquidity needs
- HELOAN & Second Mortgages — fixed home-equity financing that may keep an existing first mortgage in place
- Bridge Financing — short-term funding between purchasing a new property and selling another
SERVICE FAMILY
Build and invest
Purpose-built financing for renovation, construction, multi-family, and commercial property opportunities.
Program paths
- Fix & Flip — short-term acquisition and renovation financing for an investor resale strategy
- Construction — funding structured around new-build or major-renovation milestones
- Multi-Family & Commercial — solutions for 5+ unit, mixed-use, and commercial properties
Not sure which path fits?
Tell us about your income, timeline, property, and goals. We’ll help narrow the options before you apply.
Program availability, terms, eligibility, and documentation requirements vary. This information is not a commitment to lend.
