Mortgages don’t have to be complicated.

Whether you are looking to buy or refinance, the bank that works for you is here to help.

 30 YR FIXED RATE*

loans up to $1,500,000

3.000%

APR

3.018%*

Our Lowest Mortgage Rates*
Loans up to $1,500,000
RateAPRPmt/1000
20 YEAR FIXED RATE*
2.625%2.743%$5.62
15 YEAR FIXED RATE*
2.375%2.516%$6.61
10 YEAR FIXED RATE*
2.250%2.456% $9.31

Home loans the way you expect.

When you’re financing a home, you don’t want surprises. With Fidelity Bank Direct, you’ll get a simple process that’s fast and easy to understand.

You shouldn’t have to become an overnight mortgage expert.

Some think they can’t get great service from an online bank, but Fidelity Bank Direct is different.You’ll get fast, honest answers from real bankers whenever you have a question, and we’ll help you find the right loan option to fit your needs.

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Fast

When your bank works for you, things speed up. We’ll help you see what’s next every step of the way.

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Fair

With more loan options than you’ll find at many banks, all with great rates, we’ll help you find the right one for you.

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Friendly

Get fast, honest answers to guide your decisions and take the stress out of financing a home.

Most Lenders

  • Constantly need more documents
  • Assume your only goal is a low payment
  • Treat you like a lead that they need to win
  • Will give you stock answers
  • Want your money

Fidelity Bank Direct

  • Tells you up front what to bring
  • Listens first, then advises
  • Treats you like a person
  • Gives you free loan estimate reviews
  • Wants to earn your business

Let’s start with your goals. We’ll help you find the right solution for you.

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Buying a New Home

We work with buyers who have found a home and are ready to buy, as well as those that want to get prequalified or pre-approved before they start looking. Sometimes, you just want to see what you can afford, and we’ll help you with that, too.

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Refinancing Your Current Home

We work to help put homeowners in the best financial position possible. Whether they are looking to cash out some equity, lower their rate or pay off their home faster, we provide the information needed to make sound decisions. With so many loan options available to us, Fidelity Bank Direct ensures you can meet your refinance goals.

Here’s How It Works

In today’s market, speed is the difference between moving in, or moving on. That’s why we’ve built a process that’s fast, fair and friendly.


Our online application takes just a few minutes. It’s easy to understand and hassle-free.


You get access to a team of experts who will quickly get you the answers you need. Whether it’s about the process or the right loan for you, we’ll help you meet your goals with speed and honesty.


You’ll get a faster closing than the industry average, from a process that gives you confidence along the way.

Why get a prequalification?

For buyers just entering the market, you’ll quickly realize that you have to be prepared if you’re going to find your dream home. With a Fidelity Bank Direct prequalification, you’ll show realtors and sellers that you’re serious. You’ll also understand exactly what you might be able to afford, allowing you to shop with confidence.

And best of all, a prequalification doesn’t take long, require a ton of paperwork, or cost you anything. In most cases, you’ll have an answer the same-day.

Details and Rates

MOST COMMON TERM

30 Year Fixed

INTEREST RATE

3.000%

APR

3.081%*

PAYMENT PER 1,000

$4.22

Effective 10/15/2021

Fixed Loans
*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 40% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.

Details Matter, We’re Here to Work for You

Rates are important, and monthly payment amounts are too, but they’re not the whole story. Talk to a Fidelity Bank Direct mortgage expert today about your goals and see the difference it makes when you’re with a bank that works for you.

Ready to move? We’re ready to move.

We can’t wait to earn your business. Ready to let us?

Our initial application for a loan takes just a few minutes of your time. You’ll need basic information about yourself (name, address, SSN, birthdate) and the property you’re hoping to buy or refinance. We’ll need things like pay stubs, bank statements, and tax returns. If we can’t automate the collection of that we do have a digital portal to make uploading easy.

We are able to serve clients in Massachusetts and New Hampshire.

We do ask for your permission to pull your credit report to ensure that you get an accurate loan estimate and approval. This may have a small negative effect on your credit score but it is an expected part of seeking and receiving credit.

Of course! We’re real people who are happy to talk you through any part of the process – especially the beginning.

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Get the clarity you need to move forward with confidence.

You can apply online. We’ll help you the whole way.

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