In Florida's competitive real estate market, where financing can make or break a deal, one Orlando-based mortgage company has carved out a distinct position by saying yes when traditional lenders say no.
Fidelity Home Group has built its business around the borrowers who don't fit neatly into conventional lending boxes. Self-employed entrepreneurs, real estate investors, and buyers seeking non-warrantable condos or condotel properties often find themselves turned away by major banks. That's where the company sees opportunity.
Beyond the Standard Playbook
While most mortgage companies stick to familiar territory—FHA, VA, and conventional loans—Fidelity Home Group maintains a broader portfolio. Their offerings include DSCR investor loans that allow closings under an LLC, bank statement loans for self-employed business owners without traditional W-2 income, and asset qualifier programs for borrowers with substantial portfolios but irregular cash flow.
The approach extends to property types as well. Condotel financing and non-warrantable condo loans address a specific Florida challenge, where coastal properties and mixed-use buildings often fall outside standard lending criteria. Construction-to-permanent financing and bridge loans round out options for clients navigating complex transactions.
This
specialized mortgage lending strategy has earned the company an A+ Better Business Bureau rating and consistently high marks from borrowers across the state, from Tampa Bay to the Florida Keys.
The Florida-Only Model
Rather than spreading resources across multiple states, the company maintains exclusive focus on Florida's market. That geographic concentration allows their team to develop expertise in state-specific challenges—coastal property financing rules, homeowners association complexities, and the insurance requirements that can complicate Florida closings.
Their underwriting process includes what they call an "Advanced Homebuyer Pre-Approval," which involves full underwriting review before house hunting begins. In markets where sellers favor offers with financing certainty, this
pre-approved mortgage financing positions buyers more competitively.
Building Through Partnerships
Much of the company's growth stems from relationships with real estate professionals, builders, and financial advisors who refer clients with complex needs. Active membership in the Mortgage Bankers Association and Florida Home Builders Association reinforces these professional networks.
Looking ahead, Fidelity Home Group plans to expand its technology platform while maintaining direct access to mortgage experts—attempting to balance digital efficiency with personal service. The company positions itself as an educator, publishing guides and resources to demystify mortgage options for borrowers navigating unfamiliar loan products.
As Florida's real estate market continues attracting diverse buyers—from first-time homeowners to international investors—demand for
flexible home financing solutions shows no signs of slowing. For a company built on solving problems other lenders avoid, that complexity represents continued opportunity.
