FIDELITY MORTGAGE REFERRAL PROGRAM Save time, save money—get mortgage help you can trust with Leader Bank

Get a loan through the Fidelity Mortgage Referral Program with Leader Bank and receive an exclusive 0.25% rate discount as a Fidelity customer—potentially saving you thousands over the life of your mortgage.


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Lower mortgage rates and fees

We teamed up with Leader Bank, a lender that offers rates and fees lower than the national average1.


0.25% rate discount

Fidelity customers get a preferred customer rate when they close on a home loan with Leader Bank.


Exclusive mortgage support

Talk with mortgage experts from Leader Bank who are exclusive to Fidelity customers—no cost or commitment.

Leader Bank logo

Leader Bank is a national mortgage provider that can help Fidelity customers take their next steps confidently when buying a home, refinancing, or seeking a home equity line of credit. Fidelity has a non-controlling interest in Leader Bank.

Understand your options

There's no cost or commitment to chat with Leader Bank or get preapproved to better understand your home purchase options.


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Get a personalized estimate

Compare mortgage rate options in minutes, apply online, or talk with Leader Bank. You’ll review details before your credit is pulled.


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How much house can you afford?


Calculate what your mortgage payment might look like to get a feel for your budget and other considerations like closing costs, private mortgage insurance (PMI), and property taxes.


Calculate budget


See if refinancing makes sense


Refinancing typically costs between 2% and 6% of the new loan cost. Run your numbers to understand if refinancing your mortgage could help you save.


Run the numbers

From our mortgage experts

Smart home-loan strategies

Whether you're on the move, refinancing, or renovating, this special webinar can help you understand your lending options.


Watch the replay

Home-buying simplified

From planning to purchasing, get the information you need on your home-buying journey.


Watch the replay

Resources

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Should I buy a house or keep renting?

Calculate how buying or renting may affect your budget.

Article

How to buy a house for the first time

A step-by-step guide for homebuyers.

Article

When—and how—to borrow against your assets

Strategic leverage may help you meet your financial goals.

Article

Is it time to buy a house or refinance?

Control what you can in today's tough housing market.

Article

What is a good credit score to buy a house?

Help yourself qualify for better mortgage terms. 

Article

Talk to a Leader Bank mortgage expert about your options


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  • What is the Fidelity Mortgage Referral Program?
    Whether you’re buying a new home, refinancing, or exploring a home equity line of credit, the program offers exclusive deals and services to Fidelity customers who work with Leader Bank, a third-party mortgage provider. Fidelity-dedicated Leader Bank representatives can help you understand your loan options at no cost; there's no obligation or commitment to proceed.
  • How does the Fidelity Mortgage Referral Program work?

    Getting started is simple. Customers can better understand their home-buying budget or potential refinancing rates with a digital rate quote or preapproval. There's no cost or commitment when you schedule time with a Leader Bank mortgage expert to talk through any questions before you apply for a loan.

    Once you're ready to apply, you can do so online or via phone with Leader Bank. Before any credit is pulled, you’ll review all your details with your dedicated Leader Bank mortgage expert. If approved, they’ll guide you through the home purchase, refinancing, or the home equity line of credit process. You’ll get a 0.25% rate discount if you close on a mortgage loan with Leader Bank. All loans are provided by Leader Bank, Member FDIC. Fidelity does not issue or service the loan.

  • How do I qualify for a mortgage loan with Leader Bank?

    When you apply for a mortgage loan with Leader Bank, they'll review the following factors to determine eligibility: credit score, income and employment history, debt‑to‑income ratio, available savings, and down payment amount. Requirements may vary by loan type, but having steady income, manageable debt, and good credit can help improve your chances of approval. Getting preapproved is a helpful first step to give you a clearer picture of what you may qualify for before you begin the home search or refinancing process.

  • Who is Leader Bank?

    Leader Bank is a leading residential mortgage lender and was named the top mortgage provider in Massachusetts in 2025. Fidelity is not a mortgage lender and doesn't provide loans directly but does own a non-controlling stake in Leader Bank. This helps us be able to offer customers access to competitive mortgage rates and dedicated support from expert mortgage lenders.

  • What types of loans does the Fidelity Mortgage Referral Program offer?

    The Fidelity Mortgage Referral Program, offered in partnership with Leader Bank, provides a wide range of home loan options to meet different financial needs, credit profiles, and homebuying goals. These include government-backed loans that may make home ownership more accessible for eligible borrowers:

    • FHA (Federal Housing Administration) loans: Often feature lower credit score requirements and smaller down payments
    • VA loans (U.S. Department of Veterans Affairs): Available to eligible veterans and active-duty service members, and may offer no down payment options

    Your Leader Bank mortgage expert can help you understand which loan options you may qualify for and guide you through the next steps.


    Home equity lines of credit (HELOC) are commonly used for variable expenses, such as home renovations, education costs, or debt consolidation. They are revolving loans that function more like a credit card than a traditional loan by allowing you to borrow against your home's equity as needed.

  • What is a HELOC vs a home equity loan?

    Both a home equity line of credit (HELOC) and a home equity loan allow you to borrow against the equity in your home, but they work in different ways. A HELOC provides a pre-approved line of credit that is based on your equity, and a home equity loan allows you to borrow a lump sum against the equity you've built. This means a HELOC functions more like a credit card with a variable interest rate, and a home equity loan is like a traditional mortgage where you receive a set amount that you pay back at a fixed interest rate over a predetermined number of years. A HELOC can be used as needed for a specific borrowing period (aka a "draw period"), usually 10 years. After that draw period ends, you'll enter a repayment period where you'll pay principal and interest based on terms agreed with your lender.

  • How does refinancing a mortgage work?

    Refinancing a mortgage replaces your current home loan with a new one, often to secure a lower interest rate, change loan terms, or access home equity through a cash-out refinance. The process is similar to applying for a new mortgage loan, which typically includes submitting an application with a lender, receiving a home appraisal, and paying closing costs to pay off the existing mortgage. Fidelity customers can explore refinancing options through Leader Bank or speak with a mortgage expert at any time through our online tool.