Find a Mortgage Consultant

The members of our management team have an average 25 years experience in mortgage lending. We guarantee our Mortgage Consultants will provide unparalleled service.

Fidelity employs the best residential mortgage experts to make your home buying experience as easy as possible.

Palm Beach Gardens, FL 561-508-8755

Cincinnati, OH 513-725-3000




loan programs

We offer a multitude of products to fit your needs and budget.



Find a mortgage Consultant

Speak with a mortgage expert now.


locate a branch

We will always strive to exceed expectations and view each Customer as an opportunity to demonstrate excellence.

Fannie Mae and Freddie Mac


In the United States, a conforming loan is a mortgage loan that conforms to Government Sponsored Enterprises (GSE) guidelines. In general, any loan which does not meet guidelines is a non-conforming loan. A loan which does not meet guidelines specifically because the loan amount exceeds the guideline limits is known as a jumbo loan.

Palm Beach Gardens, FL 561-508-8755

Cincinnati, OH  513-725-3000


Screen Shot 2017-06-06 at 9.35.13 AM.png
Screen Shot 2017-06-06 at 9.38.29 AM.png

Sky is the Limit


In the United States, a jumbo mortgage is a mortgage loan in an amount above conventional conforming loan limits.

Pam Beach Gardens, FL  561-508-8755

Cincinnati, OH 513-725-3000


Easy Qualification, Little Money Down


FHA (Federal Housing Authority) loans are government backed loans designed to give people with less than outstanding credentials the opportunity to own a home. At Fidelity we meet the government minimum standards unlike many big banks. Our minimum FICO® score is 530 for this product.  With approved credit we require as little as 3.5% down. 

Palm Beach Gardens, FL 561-508-8755

Cincinnati, OH 513-725-3000



We understand the sacrifice that veterans and their families make. Please give us the privilege of assisting you in your home buying process.

Palm Beach Gardens, FL 561-508-8755

Cincinnati, OH 513-725-3000


A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA).


Opportunity Exists


A refinance is a loan obtained on a property that pays off its existing mortgage. May also be used to receive cash for the equity in your home.You can refinance your current mortgage with one of our many loan options to find even more fantastic loan options, and you can feel confident in your refinancing decisions with step-by-step guidance from an experienced Mortgage Consultant

Palm Beach Gardens, FL 561-508-8755

Cincinnati, OH 513-725-3000

Live How You See Fit


A construction loan is any loan where the proceeds are used to finance construction of any kind.

Palm Beach Gardens,FL 561-508-8755

Cincinnati, OH 513-725-3000


Freedom to Thrive


A reverse mortgage is a loan for seniors age 62 and older. Home Equity Conversion Mortgage (HECM) reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow our senior homeowner's to convert their home equity into cash with no monthly mortgage payments.

Palm Beach Gardens, FL  561-508-8755

Cincinnati, OH 513-725-3000

FullSizeRender 3.jpg

 "This material is not from HUD or FHA, and has not been approved by HUD or a government agency .  The homeowner remains responsible for taxes, insurance and maintenance as conditions of the loan .

Progressive, Fair, Opportunity

  • 12-24 Months Bank Statement Programs for Self Employed borrowers
  • As low as 500 credit score (FICO®) products available
  • One day out of bankruptcy, foreclosure, and short-sale
  • Asset depletion programs for non-owner occupied subject properties
  • Manufactured home financing available

Palm Beach Gardens, FL  561-508-8755

Cincinnati, OH 513-725-3000


Screen Shot 2017-06-06 at 9.54.12 AM.png
Screen Shot 2017-06-06 at 11.38.41 AM.png
Screen Shot 2017-06-06 at 11.36.16 AM.png



"I have known Peter Smith for over a decade. His knowledge in the mortgage business is outstanding. He has never failed in securing a loan for me or to any of the clients that I have worked with as their Realtor. Impeccable work ethics; he goes above and beyond to explain the mortgage loan process if a buyer has any trouble understanding it. Peter is responsive and quick to return calls or emails, always available to answer questions. His honest professionalism is one of his many great qualities, always looking out for the client's best interest. I recommend Peter Smith to every person I know who is in need of financing a home. He is my #1 choice, I would not go anywhere else for a mortgage loan."

CAROLINA INMAN, Satisfied Realtor

Keller Williams ~ Jupiter, FL

"I reached out to Steve Hutson in hopes he would be able to help me with refinancing my house.  Steve promptly returned my call and with his expert knowledge of the HARP program, he helped me secure a new mortgage with a much lower interest rate that eventually saved me $260 per month. Throughout the entire process he was a constant guide - it didn't matter if I had a questions morning, noon, or night, he was there with the thing that impressed me most about Steve was the personal touch.  He treated me like family!"


PATSY WHITE Team One Logistics ~ Dir. of Safety & Compliance ~ Calera, AL


"I am glad I called for help when my homebuyer was denied by their mortgage lender.  He responded quickly and professionally to expedite a home loan approval and loan closing for my buyer, who was thankful we contacted as well.  I have known for over 30 years and he clearly loves helping people obtain home financing.  I strongly recommend that you contact and experience the way he truly cares for his clients, provides consistent communication throughout the entire process, and offers a vast lending knowledge to better serve your home financing needs". 

, Satisfied Realtor

Keller Williams ~ Cincinnati, OH

I have worked with Steve Hutson on several refinancing & purchase loans over the prior seven+ years.  His knowledge base of the complex mortgage business is second to none.  I would highly recommend Steve and his entire team for all of your mortgage needs because of his ability to explain complex solutions, determination to get the job done correctly the first time, and their overall ethics and honesty.  Thank you so much for all you have done for us, it's greatly appreciated.

Kindest Regards,

DERSI JOHNSON, Operations Manager - Southwest Alabama Power ~ Birmingham, AL


"My name is Svetlana Nemeroff, I am an attorney and a title agent. Recently, I had the opportunity to work with Peter Smith and Nicole Kelleher on the closing in Martin County. I was impressed with professionalism of this team. It is always enjoyable to work with people who knows what they are doing, communicate extremely well, respect your time and efforts, do everything in order to have smooth and successful transaction."


SVETLANA Z. NEMEROFF, Title Insurance/ Real Estate/ Title Insurance ~ Satisfied Client

Law Offices of Svetlana Z. Nemeroff  Stuart, FL                 

Tyrone,  "We just wanted to thank you for making our refinancing so easy and fast!!!  It was a pleasure working with you!!! Keep up the great work".

JOE & ROSE ANN MARONE ~ Satisfied Clients

The Villages, FL

"Thank you so much for your courteous and professional service on my refinance.  I appreciate your patience with all my question and concerns.  I will recommend you and your company to anyone in need.  The process was smooth and stress free.  I was in much need of your help and you made me feel not only important but as if I was the only one that mattered every time we spoke. Thank you so much."

JACKIE WALKER ~ Satisfied Client

Fort Meyers, FL


Tim, "Thank you for helping me refinance my home.  The transaction was fast and efficient.  You kept me informed every step of the way and made the process for a self employed borrower as easy and simple as possible.  I would recommend your services to anyone."

Roger K. ~ Satisfied Self-Employed Client

Morrow, OH

"Peter Smith... I have to commend you on a job well done.  The refinance on our home was a smooth transition from start to the very end, all due to your knowledge, expertise and patience.  The mortgage process is a long and frustrating process, but working with you made it easy with no surprises.  The best thing about this whole ordeal is how accessible you were.  We never ever had a problem getting in touch with you.  It was a pleasure working with Peter, and we will not hesitate to recommend you to all our family and friends.  Thank you so much..." 

SANDY & RICH KNOX ~ Satisfied Clients

Merritt Island, FL

 - "Mary and I want to thank you for all the work you put in on our file. We are extremely happy to have ourselves firmly planted in Cincinnati.  This was such an important deal for our whole family. You’re The Best!"

JOHN & MARY ~ Satisfied Clients

Cincinnati, OH

My wife and I would like to "Thank You" for a job well done, very impressive performance Thanks. 

Gilbert & Adelina Anderson ~ Satisfied Clients

Palm Bay, FL

Peter Boyer is an hard worker who takes pride and ownership in anything he does.  He acts with integrity and presents himself in a very professional manner.  I was very impressed with the level of care he gives to every client, putting their needs first and coaching through troubles.  I have never seen him back down from a challenge.  In fact, I would say that he views challenges as new opportunities to learn which shows his commitment to success.

Emily Wilson - District Sales Manager, Kellogg USA ~

Dayton, OH

Tyrone Stokes ~ "Thank you so much!  You’re not just taking care of business for me but, you’re helping me out from the very difficult situation and difficult time in my life…you stayed around and helped me when all the other companies said it couldn’t be done!     

Thank you sooooo very much! You're really are my angel!

Thanks so much for everything… I will definitely give your name to everyone I know who is going to be looking for mortgage needs etc.  Send me some of your cards in the mail to pass out to everyone I know"!

Teresa Moulton - Satisfied Client

Fort Lauderdale, FL

  I am no novice when it comes to obtaining mortgages, and re-financing properties as in the past 45 years I have purchased and refinanced  numerous properties prior to the Recession when the real estate market was booming. My colleagues in Education were amazed at the money I was making on the outside of my 'real' job of starting off as a Speech Pathologist and obtaining a second Master's Degree in Guidance & Counseling. Although I have worked with other very nice & competent Mortgage Loan Officers , Jordan was the first that was so extremely professional and knowledgeable, while maintaining a great balance of friendliness and sense of humor, which made the entire experience so enjoyable. He definitely exceeded my expectations. By the end of this experience, I felt that he sincerely cared about me personally and that we were more like friends or family. I would and I have already recommended him to anyone and everyone I know that is seeking to either obtain a new mortgage or re-finance an existing  one. 

Susan Ann Weaver - Satisfied Client

Bonita Springs, Florida

Think of Us as a Bank MINUS the Red Tape


We offer a multitude of commercial lending options.

Property Types

  • Office
  • Warehouse
  • Retail
  • Mixed Use Properties
  • Medical/Dental

Eligible Project Costs

  • Purchase (Building and Land)
  • Refinance
  • Soft / Closing Costs
  • Tenant Improvements
  • FF&E