Adam Chwala American Fidelity Mortgage Solutions

Adam Chwala American Fidelity Mortgage Solutions Helping Florida homebuyers, homeowners, and investors navigate the mortgage process with confidence. NMLS #382141

Purchase • Refinance • Investment Properties • Personalized guidance from application to closing. Closing home loans for purchases and refinances in under 30 days since 2004.

A good reminder for every buyer after pre-approval should protect the loan all the way to closing.New credit, large purc...
09/18/2026

A good reminder for every buyer after pre-approval should protect the loan all the way to closing.

New credit, large purchases or employment changes could affect a buyer’s financing.

Realtors: If your client is thinking about making a big financial move before closing, encourage them to check with their loan officer first.

A quick conversation can help keep everyone moving toward the closing table.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/10/2026

Rates are back near 7% and your buyers are seeing the headlines too.

For Realtors, this is where the conversation matters.

A higher rate doesn’t automatically mean a buyer needs to step away. Purchase price, monthly payment, loan structure and negotiating opportunities can all change the picture.

Have a buyer getting nervous about rates? Send us the scenario.

We’ll run the numbers so you can help them make an informed decision not one based on a headline.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

Clear to Close in 15 days.Another recent purchase moving toward the closing table with a strong lending and Realtor part...
09/01/2026

Clear to Close in 15 days.

Another recent purchase moving toward the closing table with a strong lending and Realtor partnership behind it.

Thank you to Weldy Pierre for the partnership and trust throughout the process. Weldy Pierre

Whether you're buying a home or helping a client navigate financing, our team is here to help keep the process moving.

Mortgage rates get a lot of attention, but the bigger question is what they mean for your monthly payment and overall bu...
08/26/2026

Mortgage rates get a lot of attention, but the bigger question is what they mean for your monthly payment and overall buying power.

Even small changes can make a difference. Understanding the numbers before you start shopping can help you make a more informed decision.

Have questions about your scenario? We’re here to help.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

🏡 Welcome home!Congratulations to the new homeowners on closing on their new primary residence in Spring Hill.We're also...
08/24/2026

🏡 Welcome home!

Congratulations to the new homeowners on closing on their new primary residence in Spring Hill.

We're also celebrating another great partnership with Dee Fabregat, REALTOR® with The Roman Group. From finding the opportunity to getting to the closing table, it's always great to see a team come together for the buyer.

Congratulations, Dee, and to the new homeowners! 🔑

Self employed doesn’t always mean unqualified.For some borrowers, tax returns may not show the full financial picture. B...
08/21/2026

Self employed doesn’t always mean unqualified.

For some borrowers, tax returns may not show the full financial picture. Bank statement programs can provide another way to evaluate qualifying income using eligible bank statement deposits.

Have a scenario that doesn’t fit traditional documentation? Let’s take another look.

📲 813.732.3744
Adam Chwala | Sr. Loan Officer | NMLS #382141

More than 20 years of mortgage experience through changing markets, programs and lending environments.American Fidelity ...
08/14/2026

More than 20 years of mortgage experience through changing markets, programs and lending environments.

American Fidelity Mortgage Solutions has been helping Florida homebuyers and referral partners since 2004.

One of the most common homebuying misconceptions is that you need 20% down.The reality is that down payment requirements...
08/12/2026

One of the most common homebuying misconceptions is that you need 20% down.

The reality is that down payment requirements can vary depending on the loan program, credit profile and lender guidelines.

For some qualified buyers, options may be available with considerably less upfront.

Before assuming you're not ready to buy, it helps to understand what options may actually be available to you.

Mortgage rates matter but they don't tell the whole story.Even small market changes can affect monthly payments and purc...
08/10/2026

Mortgage rates matter but they don't tell the whole story.

Even small market changes can affect monthly payments and purchasing power. Loan program, down payment, credit profile and other factors can all play a role in what financing looks like for an individual buyer.

Understanding the full picture can help you make a more informed decision when the time is right.

Coincidence? I think not! Connect with me today to get started!
02/13/2026

Coincidence? I think not! Connect with me today to get started!

Address

Lutz, FL

Telephone

+18137323744

Website

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