Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (786) 755-7400
Apply Now

View Loan Assumptions
 Rates subject to change without notice

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

Key West Home Purchase Mortgages

Key West Home Purchase Mortgages

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 Key West Florida. 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 West First-Time Home Buyer Programs

This program is ideal for homebuyers who don’t have the funds to cover the cash required at closing or for those who have the cash but need it for expenses such as home improvements, an emergency fund or education. The benefits include flexible funding and over 100% financing. All buyers must complete Fannie Mae Buyers Education Classes for ALL to qualify.

Key West Down Payment Assistance Mortgage

Fidelity Home Groups Home Buyer Programs help hopeful homeowners with several options. These programs also assist Americans in securing mortgages when they don’t have the best credit scores. Some even cater to specific professions like those in Firefighter, Law Enforcement, Educators, Health Care Workers and the Military.

Key West 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.

New Construction Mortgages

key west construction mortgage, key west new construction mortgage,

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 Mortgages

Key West Mortgage, Mortgage for Key West, Key West Mortgage; Key West Conforming Mortgage, Key West Conforming Mortgage

Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:

FHA Mortgage Program

key west fha mortgage, fha mortgage, fha, key west mortgage fha

Federal Housing Administration mortgages are great first-time home buyers! FHA Mortgage have flexible lending standards to benefit:

  • Minimum Down Payment of 3.5%
  • Minimum score of 620
  • Debt-to-income ratios under 55%

Jumbo Mortgages

key west jumbo mortgage, jumbo mortgage key west,

Jumbo mortgages are home loans that exceed conforming loan limits. 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 Mortgages

key west renovation mortgage, key west renovation loan, renovation loan

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
  • Remodel the updates/additions you want
  • Simplicity: one closing and one monthly payment

Veterans [ VA ] Mortgage

key west va mortgage, key west veterans mortgage, veterans mortgage, va loan

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.

Investment Home Mortgages

key west investment home mortgage, key west investment property mortgage, investment property loan,

Thinking of buying an additional property for a new source of income? Consider an investment home with long or short terms rentals:

  • Minimum down payment of 15%
  • Minimum credit score 700
  • Debt to income ratio under 43%

Second Home Mortgages

second home mortgage, second home loan, second home, key west second home

Buying a second home or vacation home is a dream for many Americans. It commonly is a good decision for retirement:

  • Minimum down payment of 10%
  • Minimum credit score 680
  • Debt to income ratio under 43%
Key West Home Purchase Mortgages

*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
 
Copyright © 2021 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Not intended for legal or financial advice, consult your own professionals if such advice is sought. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use 

Florida Keys Mortgage | Fidelity Home Group
2011 Flagler Ave, Key West, FL 33040

Hours of Operation:

Monday - Friday 8am to 7pm EST
Saturday - Sunday 10am to 6 pm EST

key west mortgage, key west mortgage rates, key west mortgage lender, key west mortgage broker, key west mortgage calculator, mortgage broker near me