Erik Björklund, is a nationally acclaimed mortgage professional for one of the country’s leading independent mortgage companies, Fidelity Home Group [ FHG ], having a proven reputation of offering consumers the best possible financing solutions to meet their needs. Erik is a unique mortgage professional actively originating in Florida holding the highly desired designation of a Certified Mortgage Planner Specialists [ CMPS ]. Certified mortgage professionals pledge to adhere to a strict Code of Ethics and best business practices and have proven their skill by meeting tough eligibility requirements and passing rigorous exams. This accreditation demonstrates financial knowledge and expertise regarding the tax and financial implications of mortgage and real estate investment strategies. Erik holds a active loan originator license [ NMLS #129883 ] in Florida and is a member of the Mortgage Bankers Association and The Florida Home Builders Association. Erik offers competitive mortgage rates as well as mortgage solutions for traditional mortgages as well as Warrantable Condos, Non-Warrantable Condos, Condotels, Coops, and Self-Employed individuals.
At Fidelity Home Group, we are Florida Mortgage Experts! We offer more options, more transparency and a simpler way to find the right mortgage program for your unique home buying or refinancing situation.
Florida is more than beaches and theme parks; Florida offers No State Income tax, beautiful year round weather, and endless outdoor activities! Whether you are looking for a mortgage program for your Primary Home, Secondary Home or Investment Property, we have a personalized solution for your unique situation. For First-Time Home Buyers, we offer several mortgage solutions including VA, FHA, USDA and a 3% Down Payment option.
In Florida, we have some unique properties! If you have or are wanting to purhcase a Condo, Condotel, Co-Op or a Non-Warrantable Condo, we have your mortgage solution! If you are a Business Owner or are Self-Employed, you may need a Bank Statement, a One-Year Tax Return, 1099 P & L, or an Asset Depletion / Qualifier Mortgage.
For Real Estate Investors, we offer ways to mortgage your investment property with a traditional investment property mortgage, Fix and Flip Loan, or utilize our DSCR [ Debt Service Coverage Ratio ] Program that uses the property’s annual net operating income vs it’s mortgage payment to qualify. If you are planning to buy a new home before selling your current home and need cash for the down payment and closing costs, a short term Bridge Loan maybe a good option for this solution. If you purchased your home with cash in the last 90 days and want to get cash out, be sure to look at our Delayed Financing Mortgage Program.
If you prefer to build your own home, we offer New Construction Loans if you have purchased land and wish to build your home with your builder. The existing land loan [ if applicable ] can be consolidated into new construction loan and the interest rate at closing may qualify for an interest rate float-down adjustment during the construction period to permanent financing. If you need to buy land, we do offer Land Loans to use in conjunction with our New Construction Loan Programs.