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View Loan Assumptions
 Rates subject to change without notice

 Conforming Loan amounts up to $548,250 | FHA Loan Limits are specific to Monroe County Florida
Check to See Monroe County Florida FHA loan limits here

Key Largo Mortgage Programs

Your Key Largo Mortgage Concierge 

Whether you’re a new home buyer, or you’ve purchased a home before, it’s important to evaluate what type of mortgage fits your lifestyle. Our Mortgage Experts will help you consider your goals as a homeowner and provide the best financing solution. Let us help you better understand the home buying process and your options.

Key Largo Mortgage Progrms

Fidelity Home Group is here to help you find the financing for your home purchase that’s best for you—whether you’re just starting out, tired of renting or upgrading to your dream home in the Key Largo area. With free preapprovals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 


Key Largo Self-Employed | Business Owners Mortgage

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.


Construction Mortgage Programs

Florida Keys Construction Mortgage Loans

Our New Construction Programs is a one-close construction loan:

  • 70% LTV with no requalification required post-construction
  • 90% LTV option with requalification required post-construction
  • Simple and flexible draw process with no set schedules

Conforming Mortgage Programs

Florida Keys Conforming Mortgage Loans

Conforming mortgages are ideal for borrowers with good or excellent credit. The maximum Conforming Loan amount in 2020 is $510,400. They follow fairly conservative guidelines for:

  • Borrower credit scores – min 620.
  • Minimum down payments of 3%.
  • Debt-to-income ratios under 50%.

FHA Mortgage Programs

Florida Keys FHA Mortgage Loans

FHA mortgages have flexible lending standards to benefit up tp $529,000:

  • Minimum Down Payment of 3.5%.
  •  Minimum score of 620.
  • Homebuyers with small down payments and refinancers with little equity.

Jumbo Mortgage Programs

Florida Keys Jumbo Mortgage Loans

Jumbo mortgages are home loans that exceed conforming loan limits of $510,400. A jumbo loan is one way to buy a high-priced or luxury home:

  • Credit scores as low as 680 may qualify
  • Buy a home with as little as 10% down payment
  • Loan amounts up to $5,000,000

Renovation Mortgage Programs

Florida Keys Renovation Mortgage Loans

Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:

  • One Loan: The loan covers the purchase plus renovation costs
  • Renovation work can begin immediately
  • Simplicity: Just one application, one closing, and one monthly payment

Veterans Mortgage Programs

Florida Keys Veterans Mortgage Loans

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as $0 down
  • Certificate of Eligibility
  • VA loans were designed to offset common financial challenges faced by military families and veterans.

   

*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
 
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