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START SAVING ON YOUR MORTGAGE

1st Fidelity Funding Is Here To Help You Get The Right Solution.

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We are

A DIRECT

LENDING

BANKER

1st Fidelity Funding empowers you to save as much as you can on your monthly mortgage payments. Homeowners save more per month, when refinancing with our Homeowner Advantage Plus Benefit program. 

HOMEOWNERS ADVANTAGE BENEFIT PROGRAM

NEW BENEFITS PROGRAM

30 year fixed rate loan – Save funds or use to invest. Use the money to pay off credit card debt, car loans, student loans or make home improvements.

NO COST mortgage includes property taxes, homeowners insurance, PMI, Mello Roos fees and HOA fees.

To qualify, properties principal balance must be from $250,000 to 650,000 with no mortgage lates in last 24 months. Fannie Mae allows borrowers 6 FREE mortgage payments per year / Save up to $210,000.

Make only 6 mortgage payments a year for 5-7 years.

We Built a Smarter Way to Refinance That Is Better For You

1st Fidelity Funding  Homeowner Advantage Plus Benefit Program is designed to achieve optimal savings for refinance or purchase borrowers. Through no increase to your current balancing, no out up front cost, better behavior, and lowest possible fees in the industry, 1st Fidelity Funding customers can expect to eas monthly cash flow with a true no cost loan refinance.

1st Fidelity Funding helps you save
for your Mortgage Refinance.

Tell us your goals, and we'll provide an efficient, transparent, and personalized no cost refinance strategy to help you save as much as possible. Then, we'll refinance your mortgage at a fraction of the cost of traditional lenders.

FHA loans are insured by the Federal Housing Administration. They are the most popular loans available today and make up almost 50% of all loans this year. FHA loans are especially popular among first time buyers because of the low credit score requirements and flexible down payment guidelines. The minimum down payment on an FHA loan is only 3.5% of the purchase price.

VA loans are insured by the Veterans Administration. They are one of the best loans on the market however they are only available to Veterans or their surviving spouses. There is no down payment requirement which makes it easier to qualify. Also there is no PMI so your overall house payment is usually less than a similar mortgage under other programs.

Conventional loans are not insured by any government agency and follow a slightly different set of guidelines than FHA or VA loans. In most cases the credit score and down payment requirements may be higher for these loans however the overall costs associated with a conventional loan may be less than other types.

Jumbo loans are limited to loan amounts above $417,000. These loans fall outside of conventional guidelines and usually carry a slightly higher interest rate and fees.

USDA loan program is for properties that are located in rural areas that wouldn’t normally have much financing available for purchase. The applicant must meet certain income requirements and the house must be located in a designated rural area. If you have any questions about any of the programs we offer, please contact us for more information and to see if you qualify.

Expertize

To help you refi your home.

To help you save thousands.

To help you grow your equity.

To help with debt consolidation.

To help you save for cash out.

To help you with home improvement.

Mortgage Experts 

Whether it's the refinance or purchase loans done by our mortgage experts, or our first-class customer support specialists, the people behind 1st Fidelity Funding make all the difference.

We're available 7 days a week via phone, email, or live chat.


Meet our team of Mortgage Experts

  We Care

Banker-level security means your personal data is safe.

1st Fidelity Funding is a member of NMLS. For details, please see www.dre.ca.gov

By the State of California Bureau Of Real Estate, 1st Fidelity Funding follows a strict follows the rules designed to protect our borrowers’ accounts.

Home Loan OPTIONS

We are a varietY OF FINANCING SOLUTIONS

Remodeling

Refinance to remodel your home

Purchase

Home buying

Home Additions

Add a pool or patio

Equity Line

Improve your finances

New Furniture

Refi for design

OUR TEAM OF MORTGAGe EXPERTS

Refinancing Made Better

Being a Direct Lending Banker, 1st Fidelity Funding offers a team of Mortgage Experts that brings decades of mortgage industry expertise in driving our Mortgage approach and allocation advice. Fina Financial ensures our mortgage processing and underwriting are best in class, combining substantiated research with the most effective financing tools and products available today.


Mortgage Team

Our Mortgage Team delivers true innovations both large and small. Their focus includes Equity Building, No cost, Optimization Monthly Payment, Equity Management, and finely tuning our mortgage benefits (using Homeowner Advantage Plus Benefit Program).


Support Mortgage Specialists

Our dedicated support specialists are available 7 days a week. They are here to walk you through every part of the refinance process, including completing of an 1003 application, document you need and any other service to complete you refinance seamlessly.


Put our team of Mortgage Experts to Work for You.

MISSION

We Created a Direct Lending Banker company

We Change The Way You Can Maximize Your Savings On Your Mortgage
"My Friends and family asked me, 'I need to lower my monthly expenses so, what should I do with my mortgage?' There were no good answers – so I set out to save them as much money as possible." - Gia Vacek-Tiscareno, Founder & CEO

Pioneering A New Home Equity Management Movement
We at 1st Fidelity Funding knew that by aligning our Homeowner Advantage Plus Benefit program with our customers, without compromise, we could have borrowers truly save significantly. With that in mind, we set out to deliver sophisticated financial mortgage products and expert advice to homeowners, with the goal of refinancing made better.

Built For Homeowners, By Borrowers
Our Mortgage Experts wanted a Benefit program they could use themselves on their homes. That means, we have you always at the center of the process. That’s when we created our Homeowner Advantage Plus Benefit program for all homeowners

The Intersection Of Mortgage Refinancing And Technology
We knew that the way to build a better experience was through the use of no cost refinance programs, geared to save the borrowers more monthly savings. We built a simple equity program Homeowner Advantage Plus Benefit program that replaced traditional term and rate loans with the delight of saving borrowers thousands over the term of a fixed rate mortgage and without increasing their current principal balance..

1st Fidelity Funding Is Leading The Way
In 2007, 1st Fidelity Funding was founded with the idea of helping homeowners save more on their current monthly payment to make homeownership affordable to as many people as possible. We now save more and more homeowners each month with Homeowner Advantage Plus Benefit program a smarter way to refinance, and we help them save thousands of dollars to achieve their goals. We've redefined the refinance landscape, and we're just getting started.

 Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

PRIVACY POLICY
Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.

Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.

Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.

From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

Fina Financial Inc. Terms of Use

NOTICE
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of 1st Fidelity Funding’s web site and systems including but not limited to unauthorized entry into 1st Fidelity Funding’s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Fina Financial Inc.

NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". FINA FINANCIAL INC. DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY NCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY
IN NO EVENT WILL CASHCALL MORTGAGE BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY,OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CASHCALL MORTGAGE, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Submissions
All information submitted to 1st Fidelity Funding. via this site shall be deemed and remain the property of 1st Fidelity Funding and 1st Fidelity Funding shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides 1st Fidelity Fundingthrough this site. 1st Fidelity Fundingshall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the 1st Fidelity Funding entity having the direct customer relationship or as otherwise specifically agreed or required by law.

AVAILABILITY
THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY FINA FINANCIAL INC. TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

Additional Terms
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law
Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California.

Key words: first time buyer, highdti, Interest Rates, lender paid mortgage insurance, low down payment, Lowest Interest Rate, lowest mortgage rates, Lowest payment, LPMI, MI, Mortgage Interest Rate Deduction, No closing costs, NO MI, NO PMI, Private Mortgage Insurance, Real Estate, Uncategorized, VA loans, by www.1ffinc.com