Fidelity Residential

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Fidelity Residential Mortgage Banker | Residential Redevelopment | Private Lending
Real estate financing, explained. DSCR, fix and flip, non QM, and conventional. NMLS #103098.

Equal Housing Lender. fidresi.com NMLS ID #103098 (www.nmlsconsumeraccess.org)

10/09/2026

A real, verified 5 star Google review.

Do not take our word for it. See it for yourself: https://fidresi.com/r/google

Robert Shamie, NMLS #241428. Fidelity Residential, a dba of PFN Lending Group, Inc., NMLS #103098. Equal Housing Lender. Not a commitment to lend.

10/07/2026

A lender offers to cover your mortgage insurance with a bump in the rate. You are still paying it.

Same file, a 720 score. With monthly mortgage insurance the payment is $4,740.28 of principal and interest plus $213.75, so $4,954.03. With the rate bump the payment is $4,981.90. That is $27.87 more each month, $334 over twelve months. Now the interest: a higher rate sends more of each payment to interest, so after a year you have paid more and you still owe more. Half a point is $3,569 of extra interest in year one against $2,565 of mortgage insurance for the year, so the higher rate costs $1,004 more over twelve months. At 720 the rate bump loses both ways. Monthly mortgage insurance comes off later. You are stuck with the higher rate for the life of the loan.

A higher credit score changes every number. The guide runs them at 740 and 780, with the year one interest both ways, and the five questions that make a lender put it in writing.

Go to shamie.org/mi and I will send you the full breakdown.



https://dm.shamie.org/go/mi?src=facebook&r=mi&utm_source=facebook&utm_medium=organic_social&utm_campaign=mi-ratebump-720-facebook&utm_content=company_page

Robert Shamie, NMLS #241428. Fidelity Residential, a dba of PFN Lending Group, Inc., NMLS #103098. Equal Housing Lender. Not a commitment to lend.

10/06/2026

Your credit history is not just a score. It shapes which loan program you land in, and that shapes what the house costs you.

Here is the myth that stops good buyers cold: one late mortgage or rent payment does not knock you out. Lenders read recent housing history more like a placement test than a light switch. A late payment usually moves you between program tiers rather than off the field, and the real question is which tier fits your last twelve months.

My guide walks through how the tiers actually work, how to read your own last twelve months the way an underwriter would, the balloon note detail that trips people up, and when a simpler path beats this one. Go to shamie.org/grade and I will send you the full breakdown.

Robert Shamie, NMLS #241428. Fidelity Residential is a dba of PFN Lending Group, Inc., an Equal Housing Lender. NMLS #103098. Not a commitment to lend.



https://dm.shamie.org/go/grade?src=facebook&r=grade&utm_source=facebook&utm_medium=organic_social&utm_campaign=card-facebook-grade&utm_content=company_page

10/05/2026

The myth is that a mortgage closing date is only an estimate, so the binder waits until the week of close. It is the opposite.

Our average purchase closes in about 23 days, and the letter that sets the binder timeline turns around in about two hours, well before closing week. That means the binder gets written once, not two or three times because a file slipped.

Coordinating a closing date with a lender is not a compliance problem. No fee changes hands. Anti rebating clean on your side, RESPA clean on ours.

Let's coordinate the binder on your next buyer. Full details: https://fidresi.com/insurance-agents/?utm_source=youtube&utm_medium=organic_social&utm_content=company_page

Fidelity Residential, a dba of PFN Lending Group, Inc., NMLS #103098. Equal Housing Lender. Not a commitment to lend.

https://fidresi.com/insurance-agents/?utm_source=facebook&utm_medium=organic_social&utm_content=company_page&utm_campaign=2026-09-10-yt-301

10/03/2026

You bought a house with 3.5% down because you were going to live in it. You will. For twelve months. Then you rent it out, keep the loan, keep the rate, and buy the next one the same way. That is not a loophole. It is written into your mortgage.

Year one: FHA, 3.5% down, and the seller can pay up to 6% of the price toward your closing costs. You move in within sixty days and you live there twelve months. Then you rent it. The loan stays. The primary residence rate stays.

Year two: a new primary residence, conventional, 5% down, and the seller can pay up to 3%.

The part that stops most people: the lender still counts the payment on house one against you. It used to take a signed lease to offset it. Fannie Mae just changed that. By November the appraiser's market rent counts, 75% of it, no tenant required, so you can buy house two before house one is rented. The catch: six months of that payment sitting in the bank as reserves, required if you have not been a landlord for a year.

One more rule. The rent has to cover the payment, because a rental that loses money counts against your debt to income ratio on every house after it.

The guide is the whole climb: the order of loans year by year, the reserves to stage before each move, when to stop moving and buy rentals outright, and the ten property line most investors hit by surprise.

Get it at https://shamie.org/ladder?utm_source=facebook&utm_medium=organic_social&utm_campaign=ladder-facebook&utm_content=company_page.

Save this, or send it to someone still renting.

Educational only. Not tax, legal, or insurance advice, and not a commitment to lend. Program minimums shown are published FHA, Fannie Mae and Freddie Mac guidelines as of September 2026 and every loan is underwritten on its own file; qualification depends on credit, income, assets, debts and the property. Not an offer or a quote. Robert Shamie, NMLS #241428. Fidelity Residential is a dba of PFN Lending Group, Inc., an Equal Housing Lender. NMLS #103098.



https://dm.shamie.org/go/ladder?src=facebook&r=ladder&utm_source=facebook&utm_medium=organic_social&utm_campaign=ladder-facebook&utm_content=company_page

10/03/2026

Rates ended the week higher, even after Friday's jobs report missed expectations by a wide margin.

Employers added just 29,000 jobs in September, far short of the 90,000 expected, and on its own that would normally send rates lower. It did, briefly. But the unemployment rate told a different story. The widely quoted move from 4.1% to 4.2% only shows up after rounding. The unrounded number rose from 4.141% to 4.175%, and adjusted for growth in the labor force, it would have actually been 3.951%. Far from weak.

Earlier in the week, rates were already under pressure. Wednesday brought the highest average 30 year fixed rate since November 1, 2023, while the 10 year Treasury yield touched its highest level since 2002. Thursday brought some relief, helped by renewed concern over French government debt, an old worry that once kept U.S. rates lower for longer.

That relief did not last. French yields reversed course Friday afternoon, oil prices ticked up, and mortgage lenders raised rates back toward the week's highs.

The 30 year fixed finished the week at 7.57%, up from 7.43% the Friday before. Next week's calendar is lighter, with ISM services data, the Fed's September meeting minutes, jobless claims, and consumer sentiment, none carrying the weight of this week's jobs report.

If you or a client is sitting on a decision, this is the week to talk it through.

Fidelity Residential is a dba of PFN Lending Group, Inc., an Equal Housing Lender. NMLS #103098. Educational only. Not a commitment to lend.

10/02/2026

We do not have a fast desk and a slow desk. Every file gets the same senior attention from day one.

A referral partner should never wonder whether their client's deal is getting the full team, or whatever time is left over that week. It gets the same process, every time.

That consistency is not a promotion. It is just how we choose to run the file room.

Fidelity Residential is a dba of PFN Lending Group, Inc., NMLS #103098. Equal Housing Lender.

https://fidresi.com/?utm_source=facebook&utm_medium=organic_social&utm_campaign=2026-09-05-li-301&utm_content=company_page

Address

121 Highway 36, Suite 230
West Long Branch, NJ
07711

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 4pm

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