David Posta - Fidelity Mortgage

01/01/2026

✨ Cheers to a Fresh Start — Happy New Year from Fidelity Mortgage! ✨

As we turn the page to a brand-new year, we’re filled with optimism for all that’s ahead. Every conversation, every family served, and every connection made this past year has reminded us why we love what we do.

The new year brings opportunity — new goals, new ideas, and new possibilities. Whatever 2026 has in store for you, we’re here to support your path forward with clarity, care, and a commitment to your success.

Here’s to a year of growth, meaningful moments, and dreams taking shape.
Happy New Year from all of us at Fidelity Mortgage! 🎉

12/25/2025

🎄 Merry Christmas from Fidelity Mortgage 🎄

As we gather with the people who mean the most, our team is reflecting on the connections made throughout the year. Serving our community is a privilege we don’t take lightly, and this season reminds us just how meaningful those relationships are.

We hope your holiday is filled with comfort, joy, and moments that feel truly special. Thank you for letting us be a small part of your story — it continues to inspire everything we do.

Wishing you and your loved ones a Christmas wrapped in peace, warmth, and hope for the year ahead.

— Your Fidelity Mortgage Team

12/02/2025

🎉 Big News for Our Community! 🎉

Fidelity Mortgage was honored with Branch of the Year, and we’re excited to share this moment with you! This recognition reflects our commitment to serving local homebuyers, supporting trusted partners, and delivering dependable guidance every step of the way.
Thank you to everyone who continues to put their confidence in our team. We’re proud to support this community and look forward to another strong year ahead!
🏡✨ Fidelity Mortgage — Your Local Lending Team

11/11/2025

Honoring Our Veterans

Today, we pause to honor and thank all the brave men and women who have served our country. Your courage, sacrifice, and dedication to protecting our freedom inspire us every day.

From all of us at Fidelity Mortgage, thank you for your service and commitment to our nation. ❤️🤍💙

01/30/2025

FHA Updates Boarder Income Guidelines 🏡📢

The Federal Housing Administration (FHA) has updated its guidelines for boarder income, making it easier for borrowers to use this income when qualifying for a mortgage!

📌 Key Changes (ML 2025-04):
✅ Income History – Must be received for at least 9 of the last 12 months.
✅ Income Limit – Boarder income cannot exceed 30% of the borrower's total monthly effective income.
✅ Documentation – Can be verified with bank statements, canceled checks, deposit slips, or tax returns.
✅ Written Agreement – A formal agreement documenting the boarding terms is required.
✅ Applies to Renters & Homeowners – Whether you rent or own, boarder income can now help you qualify!

This update could open new doors for many buyers. Have questions? Let’s talk!

11/27/2024

🚨 BREAKING NEWS: 2025 Conforming Loan Limits Have Increased! 🚨

Here’s what you need to know:

✅ Baseline Limit Increase
The conforming loan limit (CLL) for one-unit properties will increase to $806,500—a 5.2% jump from the 2024 limit of $766,550.

✅ High-Cost Areas
For areas with higher home values, the maximum loan limit will rise to $1,209,750 (150% of the baseline).

✅ Special Regions
In Alaska, Hawaii, Guam, and the U.S. Virgin Islands, the baseline limit for one-unit properties will also be $1,209,750.

✅ Widespread Impact
Thanks to rising home values, the 2025 limits will increase across nearly all U.S. counties—with only six exceptions.

📌 For more details, including maps, FAQs, and the full loan limit breakdown, visit

The Federal Housing Finance Agency (FHFA) today announced the conforming loan limit values (CLLs) for mortgages acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2025. In most of the United States, the 2025 CLL value for one-unit properties will be $806,500, an increase of $39,950 (or 5.2....

11/27/2024

Have questions about rates? Looking for more information? Give me a call or visit my website to get a personalized quote tailored to your needs!"

Although this morning contained the week's most active slate of economic data, it has completely failed to inspire even the most modest of responses in the bond market, both in terms of volume and vol...

11/26/2024

📉 Mortgage Rates Dip Slightly! 📉
Exciting news for homebuyers and those looking to refinance: Mortgage rates have dropped to their lowest levels in over a month! While rates are still higher than earlier this fall, the improvement is worth noting.

This change comes after a positive reaction in the bond market to the newly appointed Treasury Secretary. Curious about what this means for you? Read the full article here 👉 https://housingbrief.com/article/6744e190d930f1d36a45a31b/5e693451132384151c0870ef

As always, I’m here to help you navigate the mortgage process and explore your options in this shifting market. Reach out anytime!

Last Monday, mortgage rates were near the highest levels in more than 3 months.  A week later, and the average lender is right in line with the lowest levels in more than a month.  There a...

11/23/2024

After embarking on a volatile journey in early October, the past 2 weeks have been calmer for mortgage rates.  The present week was especially uneventful relative to the past 2 months.  The ...

11/21/2024

Click below to view Today's Mortgage Rates
https://housingbrief.com/mortgage-rates/5e693451132384151c0870ef

They may not be low.  In fact, they may still be a lot higher than you want, but at least they haven't been too volatility this week.  For the 7th day in a row, the top tier, conventional 30...

11/21/2024

Click to see all 176 reviews of David Posta, Loan Officer | NMLS # 277358

11/21/2024

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