Fidelity First Funding is a premier Mortgage Broker in Northern Utah serving all of Utah including Ogden, Layton, Brigham City, Logan, Salt Lake City, the Ogden Valley, Provo, and Orem.

We focus on residential purchase and refinance mortgages and fund the follow types of loans:

• Conventional Mortgage Loans
• FHA (purchase, refinance, and steamline)
• Reverse Mortgage Loans (HECM purchase and refinance)
• VA Mortgage Loans
• FHA 203K Rehab/Construction loans
• Harp 2.0 Refinance Loans
• Jumbo Loans(purchase and refinance)
• Hard Money
• HELOC Loans

Harp 2.0 (Home Affordable Refinance Program)Loans.

A Harp 2.0 Refinance Loan may be the way for you to take advantage of today's record low rates even if you are currently underwater. Effective March 17, 2012 Harp 2.0 removed it's LTV cap so it simply will not matter how much more you owe on your home than it is currently worth. 

 If:

• You have made your house payments on time with only one 30 day late in the last 12 months and no lates in the last 6 months.
• Your home loan is owned by FannieMae or FreddieMac.
• FannieMae or FreddieMac purchased or secured your loan prior to June 1, 2009*

You should look at a Harp 2.0 refinance.

* You can determine if your loan is owned by Fannie or Freddie by using the links provided on the Harp 2.0 info page. We are more than happy to help you with that. Just contact us and we can take care of it for you.

Even if your loan does not qualify for a Harp 2.0 Refinance we may still be able to help. If your loan is FHA or VA a streamline may be the way to go.

FHA Streamline Refiance Changes

Effective on all case numbers assigned June 11, 2012 and later the Upfront Mortgage Insurance Premium for any FHA Streamline Refinances will be reduced from 1.75% of the loan amount to .01% of the loan amount or $1.00 for every $100,000 borrowed on any existing FHA mortgage case number assigned prior to June 1, 2009. The monthly Mortgage insurance premium will be only .55% on these loans as well.

No Credit, Income, or Employment Verification Required on FHA Streamline Refinances

• Employment verification is not required with an Streamline Refiance.
• Income verification is not required with an Streamline Refiance.
• Credit Score verification is not required with an Streamline Refiance.

There is no appraisal requirment as well. Please click on the FHA Streamline Refiance tab for more detailed information.

Feel confident while shopping for a home.

If you are looking to purchase a home please let us give you a free professional and confidential pre-qualifacation to see how large and what kind of loan you qualify for. You are looking for someone to explain your options and to get the very best interest rates. We are glad to help.

 What's next?

Please spend some time on our web site to learn more about us, how we can help you, with some simple steps to begin the process. Or, you can contact us at 801-648-2533 or briancornell@bdcornell.com. We're ready to help.