United Fidelity Funding

read moreEven though it may seem like it sometimes, there are not as many loan options as there are borrowers! We can help you select the loan program that will fit your situation the best. There are several questions to ask yourself as you review your options. We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

read morePurchasing your first home can feel overwhelming at times, and our staff understand this and will work to make it as stress free as possible. That's why 98% of our clients are referred to us from previous customers, or our realtor and builder partners. United Fidelity will walk First Time Home Buyers through the entire home buying process step by step & providing them with a mortgage option that best fits their specific needs. Apply online today or give us a call today at (918)-508-7300 for a Free No Cost or obligation personalized consultation.

read moreAn FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations. Available to all buyers, FHA loan programs are designed to help credit-worthy low-income and moderate-income families who do not meet requirements for conventional loans. FHA loan programs are particularly beneficial to those buyers with less available cash.

read moreThe information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it's important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve. That's because the three agencies are independent of each other and the information may differ on all three reports.

read moreMany homebuyers today opt to use funds from their employer's 401(k) program to come up with the down payment on a house. Ordinarily, you can't take money from your 401(K) plan unless you retire, leave the company, or become disabled, but many company 401(k) plans permit certain "hardship withdrawals" when there is an immediate and heavy financial need, including the purchase of the employee's principal residence. The drawback to a hardship withdrawal is that you will pay taxes and penalties on the amount withdrawn from your plan, which often must be paid in the year of withdrawal.

read moreThere are not as many loan programs as there are applicants, but it seems like it at times! We can help you choose the refinance program that will fit your financial situation the best. Contact us at 918-508-7300 to get started. What do you hope to achieve with refinancing? Considering the information below will help you narrow your choices. Are achieving better mortgage payments and a better rate your main refinance goals? In that case, getting a low, fixed-rate loan might be a wise option for you.

read moreThere's no doubt that getting a mortgage is a complicated process. You wouldn't be visiting our website if you could fill out a one-page mortgage application and receive a great loan funded in one day. We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money. A couple of factors determine this amount. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?

read moreBe prepared to pay the cost of an appraisal, after you've given us your intent to proceed with a mortgage loan.