A fully amortizing conventional fixed rate 10 or 15 Year conforming mortgage loan retained and serviced at First Fidelity Bank.

Loan to Value Guidelines

Loan Amount: LTV

  • <= $417,000: 80%
  • $418,000 - $850,000: 75%
  • > $850,000: 65%

Financing available is the lesser of % of appraisal or cost.

  • Non U.S. citizens the lesser of 65% of appraisal or cost
  • Credit Score: Minimum credit score of 680
  • Minimum loan amount: $50,000
  • Escrow: First Fidelity Bank will not escrow for taxes and insurance
  • Interest Rate: Based upon the prevailing market rate
  • The financed property must be an owner occupied. If the property is a second home, it must not be rented.
  • A bank conforming appraisal is required on all loans.
  • The 10 or 15 Year In-House Mortgages are only applicable to first mortgages.


There may be a down payment required. Annual Percentage Rate (APR) is based on the prevailing market rate and is fixed for the life of the loan. Other restrictions may apply.