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Rates subject to change without notice
Conforming Loan amounts up to $647,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here
Fidelity Home Group is here to help you find the mortgage 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 Panama City Beach 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.
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.
Condominiums are classified as Warrantable, Non-Warrantable or a Condotel. Condos are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them. Unit owner pays property taxes only on his or her unit, and may mortgage, rent, or sell it just like any other personal property.
Our New Construction Programs is a one-close construction loan:
Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:
Federal Housing Administration mortgages are great first-time home buyers! FHA Mortgage have flexible lending standards to benefit:
Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:
Thinking of buying an additional property for a new source of income? Consider an investment home with the option of long or short terms rental income:
Buying a second home or vacation home is a dream for many Americans. It is occupied by the owner some portion of the year and is a good decision for retirement: