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I’m purchasing a home. Do I need a home inspection and an appraisal?

Both a home inspection and an appraisal are designed to protect you against potential issues with your new home. Because they have completely different purposes, you should rely on each of these reports uniquely to help confirm that you’ve found the perfect home. The appraiser is generally looking at the marketability of your home. Is […]

I’m a first time home buyer; what programs do you have?

There are many options to choose from. Contact your local branch to help you decide which option is best for you.

How do I get pre-approved?

The lender will review your credit report and talk to you about your income, assets, and liabilities to determine which loan program(s) you may qualify for, the maximum amount you can borrow, and the interest rates you will be offered. They may review income, asset, and liability documentation during this phase as well. A mortgage […]

Should I get a loan pre-approval?

A loan pre-approval simplifies the home buying and mortgage process by allowing your lender to review a lot of your documentation up front. As a pre-approved buyer, your offer on a home will be taken more seriously because it shows that you are qualified to borrow up to a certain amount of money.

How can I obtain a credit report?

By federal law, you are entitled to receive a free credit report every 12 months from each bureau. You may obtain this free report from Annual Credit Report. This website is authorized by the government to provide free credit reports. You may also contact one of the three bureaus. Equifax (1-800-685-1111), TransUnion (1-800-916-8800), and Experian […]

What is an Annual Percentage Rate (APR)?

The Annual Percentage Rate (APR) takes certain loan costs into consideration as financing costs and displays a rate that includes these costs. Your APR is shown on your loan estimate.

What is the minimum amount required to open a personal savings account?

You can open a personal savings account with as little as $25.

What is the minimum amount required to open a personal checking account?

You can open a personal checking account with as little as $25.

What will I need to open a personal account?

This is a list of the general information that may be needed to open a personal account at Fidelity Bank: Name, Tax identification number, Valid government photo identification issued at least 30 days ago, Date of birth, Mailing and physical address (if different), Contact phone number, Mother’s maiden name, Citizenship/Residency status, Occupation, General source of […]

What fees are associated with my personal checking account?

The disclosure and fee schedule provides a complete list of prices and fees associated with your Fidelity Bank personal checking account.

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