Lowest Rate Guarantee: we will match or beat any competitor’s rate or closing costs, plus an extra $1,000.
Fidelity FundingA Premier Mortgage Banker

Nationwide direct lender · 25+ years

Lowest Rate Guarantee

We can match or beat any rate—
or get a $1,000 towards closing cost.

  • Best Rate Guarantee
  • Appraisal Refund
  • Free Relock
5.0 Google ratingBBB A+ Accredited
Fidelity Funding Bancorp office lobby
25+Years serving borrowers
5,000+Satisfied customers
5.0Google rating
$1,000Best Rate Guarantee bonus
A+BBB Accredited Business

Programs available through Fidelity Funding

  • Fannie Mae
  • Freddie Mac
  • FHA
  • VA
  • USDA
  • Jumbo
  • Non-QM
  • DSCR
  • Foreign National
  • HELOC
  • Reverse Mortgage
  • Renovation

The Fidelity promise

Four commitments you will not find everywhere

For more than 25 years, these promises have been part of every loan we close.

Two relaxed French bulldogs lounging with a TV remote

Stress-Free Process

Our loan officers will even fill out the loan application for you, then guide you through every document and deadline.

Padlock over a field of numbers

Relock Policy

If rates drop while your loan is in process, we reduce your rate to the lowest prevailing rate at no cost to you.

Cash being handed back across a desk

Appraisal Refund

When you close with us, we refund your total appraisal fee regardless of the appraised value.

Mortgage application form stamped approved

Best Rate Guarantee

Show us a better rate or lower closing costs from a competitor. We will match or beat it and give you an extra $1,000.

The Fidelity Funding team giving a thumbs up on the office steps

A loan officer you can actually reach

Our loan agents share their cell numbers and take calls in the evening and on weekends, because buying a home does not stop at 5 PM. You will work with the same person from your first question to the day you get your keys.

About Fidelity Funding

How it works

Three steps to closing

  1. 1

    Talk with a loan officer

    Share your goals. We review your options and can complete the application with you over the phone.

  2. 2

    Get pre-approved

    Send your documents through a secure link. We lock your rate and, if rates drop, relock it lower at no cost.

  3. 3

    Close with confidence

    We coordinate the appraisal, underwriting and title, then refund your appraisal fee when you close.

Payment calculator

See your payment before you talk to anyone

Move the sliders to see principal, interest, taxes, insurance and HOA update live. No email required.

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Excludes mortgage insurance; your actual payment may be higher.

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Get my real rate

Estimate only. The rate shown is an example, not a quote or offer of credit.

Hand holding a set of house keys

Evenings and weekends

Buying a home does not stop at 5 PM. Neither do we.

Our loan officers share their cell numbers and pick up when you need them, from the first question to the day you get your keys.

Client stories

Proudly serving more than 100,000+ satisfied customers

Straight from the clients who have closed with Fidelity Funding.

Jim RafalinGoogle review

I came to Fidelity Funding for help at a difficult time for me and my family and really needed a company that understood our needs and would give us the best options possible for our situation. Carolyn Chu and her very knowledgeable and professional staff walked us through our options and advised us not as if we were customers but as people they really cared about. The best decision we made during that period was the decision to contact Fidelity Funding and to seek help from Carolyn and her friendly professional staff. Can’t recommend them enough.

Amanda R.First-Time Homebuyer

I had so many questions going into this process and never once felt like I was bothering anyone. Everything was explained in a way I could actually understand, and I always knew what was coming next. That made a huge difference for me.

Michael T.Home Purchase

I've worked with lenders before and the biggest frustration was always getting someone to call me back. This experience felt completely different. Quick responses, clear answers, and no wondering where things stood.

Jessica M.First-Time Homebuyer

We went into this feeling overwhelmed by the whole mortgage process. By the time we got to closing, we actually felt confident about what we were signing. That peace of mind meant everything.

Daniel P.Refinancing

I expected refinancing to be a major headache. Instead, the process was organized, the communication was consistent, and every question I had was answered without making me feel rushed.

Brittany S.Home Purchase

What stood out most was the patience. I needed someone who would take the time to walk me through my options instead of pushing me toward a quick decision. That's exactly the kind of experience I was hoping for.

Martha MunozGoogle review

I closed a refinance on my home with Fidelity Funding in 2020. They made it a very simple process, helping me every step of the way. It was nerve wracking to make a big financial move in the middle of the pandemic, but they made it as stress free as possible. I was able to save over $300 on my mortgage payment. From the beginning they were very upfront and delivered on what was promised. I would recommend Fidelity Funding to any of my friends. They are great.

Carlos V.Self-Employed Borrower

Being self-employed can make financing feel complicated. I appreciated having someone take the time to understand how my income works and explain what documentation would be needed. It felt like an actual conversation, not just an application.

Lauren K.First-Time Homebuyer

Buying my first house was exciting and terrifying at the same time. Having someone who was approachable, knowledgeable, and willing to explain the little things made the whole experience so much better.

Robert H.Home Purchase

No unnecessary runaround. I appreciated the straightforward communication and the fact that expectations were clearly explained from the beginning. A very professional experience.

Nicole B.Mortgage Consultation

I never felt like I was being given a one-size-fits-all answer. They listened to what I was trying to accomplish and helped me understand the different directions I could take.

Kevin D.Refinancing

I probably asked more questions than the average person, but every call was handled with patience. It's a big financial decision and I appreciated not feeling pressured to rush through it.

Audra SoltisGoogle review

This mortgage company is one of the best that I have ever worked with in 20 years. They have completed two refinances that were complicated, but their team stayed on task everyday with excellent communication and results. They are extremely dedicated, honest and demonstrate a talent to quickly problem solve to make the process seamlessly easy! The best part is that, from the very beginning, they had a solid game plan to save me money and still accomplish our goal in record time!

Samantha J.Home Purchase

There are so many moving parts when you're buying a house. I loved how organized everything felt and how easy it was to understand what needed to happen next. Closing day was a really special moment for our family.

Anthony G.Mortgage Consultation

The best part was getting answers that actually made sense. They were able to break down terms and explain the numbers without making the conversation unnecessarily complicated.

Rachel F.Home Purchase

It's amazing how much less stressful a process becomes when people communicate. I didn't have to chase down updates or wonder if my paperwork had been received. That level of organization really stood out.

David C.Refinancing

I wasn't sure whether refinancing made sense for my situation. Rather than feeling pushed into anything, I felt like I had room to ask questions and understand the tradeoffs before making a decision.

Becky RiosGoogle review

I have done several mortgage loans with Fidelity and have always been happy with the rate and the closing process. Put your trust in Carolyn, she always knows the best deal at the best rate. You can’t go wrong.

Olivia W.First-Time Homebuyer

As someone who knew almost nothing about mortgages, I was nervous about asking basic questions. They made the whole process approachable. I learned a lot and felt much more prepared to become a homeowner.

Brandon L.Home Purchase

From the first conversation, I knew what documents were needed and what the next steps would be. That kind of clarity matters when you're juggling work, family, and a home purchase.

Melissa A.Home Purchase

It never felt like I was just another file on someone's desk. They remembered the details of my situation and made an effort to keep things moving. I really appreciated the personal attention.

Eric N.Mortgage Consultation

Helpful, professional, and responsive. I appreciated having everything explained before making decisions. The entire experience felt well managed.

Gautam PrasadGoogle review

Very convenient process to close. Staff were very helpful. If you need any thing they will reach out any time.

Ashley P.First-Time Homebuyer

My husband and I had no idea how much went into purchasing a home. The guidance we received made everything easier to navigate, especially during those moments when we weren't sure what came next.

Thomas E.Refinancing

I was comparing options and wanted honest explanations rather than a sales pitch. I appreciated being able to talk through the details and make my own decision without feeling rushed.

Jennifer S.Home Purchase

When you're under contract, waiting on answers can be stressful. Having someone available to explain what was happening made a huge difference. The communication was one of the strongest parts of the experience.

Marcus B.Self-Employed Borrower

I run my own business and knew my mortgage application wouldn't be as straightforward as someone with a regular paycheck. I appreciated the clear explanations and help understanding what lenders would need to review.

Scott KastlemanGoogle review

Spoke with Carolyn at Fidelity Funding on a monday, she offered me my new rate and term on tuesday, I sent my documents in and she had the appraiser at my place on friday. 3 weeks later i signed my loan docs. It took 31 days from start to finish. My bank previously took 60-90 days and there was always something more they would ask me for. Fidelity updated me by email and a phone call at least once a week. Its amazing when a person or company (in this case both) wants to get things done smoothly and quickly how easy it really can be. No reason to go anywhere else.

Heather D.First-Time Homebuyer

There were moments when I felt completely overwhelmed by all the numbers and documents. Every time I reached out, someone took the time to explain things. That reassurance was invaluable.

Christopher M.Home Purchase

The process moved along in an organized way, but I never felt pressured to make a decision before I understood it. That's a balance I really appreciated.

Stephanie R.Mortgage Consultation

It's rare to find people who can explain financial topics without making them intimidating. I felt comfortable asking questions and walked away with a much better understanding of my options.

Patrick O.Home Purchase

Buying a home is one of the biggest financial commitments you'll make. I appreciated the professionalism and attention to detail throughout the process. It made a complicated decision feel manageable.

Fen LoGoogle review

Carolyn is such a precision in mortgage that it’s efficient, most effective aka the best rate and fee and professional. Don’t even waste your time Anywhere else.

Vanessa C.Refinancing

I had several questions about the numbers and what refinancing would mean over the long term. Nothing was brushed aside. Everything was explained carefully so I could weigh my options.

Andrew J.Home Purchase

What I liked most was that the conversations felt personal. They took the time to understand my goals instead of immediately jumping into paperwork. That approach made a lasting impression.

Emily T.First-Time Homebuyer

I expected the mortgage process to be confusing, but it was much easier to follow than I imagined. I always felt comfortable reaching out, and having clear next steps helped me stay organized.

Jason W.Home Purchase

Professional, approachable, and genuinely helpful. There are a lot of companies that promise great service, but what matters is how people treat you during the process. That personal attention is what I remember most.

Testimonials

I refer all my clients to Fidelity Funding and I trust their work so much that I have obtained all my own loans through them as well. They do an exhaustive search to get you the best rate and find the best mortgage program available. Their ability to structure solutions and find advantageous financing sets them apart.
Travis LyGarden Grove, CA

Get started

Two minutes now. Real answers today.

Answer a few quick questions and a licensed loan officer will call you with options and today's pricing, usually the same business day.

  • No cost and no obligation
  • No Social Security number needed for this step
  • We can fill out the full application for you
  • Backed by the Best Rate Guarantee

Prefer to call? (800) 592-8882

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What can we help with?

Common questions

Answers before you apply

Have a question that is not here? Ask our chat assistant or call (800) 592-8882.

How long does it take to close a mortgage?

Most purchase and refinance loans close in about 21 to 30 days once your documents are in. Non-QM, DSCR and foreign national loans can take a little longer because income and assets are reviewed differently. Your loan officer will give you a timeline on the first call.

Will checking my options hurt my credit?

Talking with a loan officer and getting an estimate does not affect your credit. A credit report is pulled only when you are ready to apply, and we will tell you before that happens.

How much do I need for a down payment?

It depends on the program: VA and USDA loans can require no down payment, FHA starts at 3.5%, conventional loans start at 3% for eligible buyers, and investor and foreign national loans usually need 20% to 40%.

Do you work with self-employed borrowers and investors?

Yes. Non-QM bank statement loans qualify you on deposits instead of tax returns, and DSCR loans qualify investors on the rental income of the property.

Can you help buyers who live outside the U.S.?

Yes. Foreign national loans let international buyers purchase second homes and investment properties with a passport, visa and verified assets, without U.S. credit or a Social Security number.

What is the Best Rate Guarantee?

If you find a better rate or lower closing costs from another lender on the same loan, show us the written estimate. We will match or beat it and add $1,000 on top.

Ready to see your real rate?

Talk to a licensed loan officer today. No cost, no obligation.

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