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Home > Search UMB's > Fidelity Mortgage Services
Joe Bartolotta
Contact Information

Fidelity Mortgage Services
101 Wymore Rd
Suite 500
Altamonte Springs, Florida 32714

407.340.0220 [phone]
[email protected]

Organization Affiliation

Fidelity Mortgage Services is a licensed Correspondent Lender in the State of Florida.  We service mortgage needs throughout the entire State.

Contract With Client

Per the state of Florida guidelines, the Florida Mortgage Brokerage Agreement and applicable Florida Addendum is signed.

Technology Employed

Fidelity Mortgage Services utilizes automated underwriting programs for both Fannie Mae and Freddie Mac, DU and LP respectively.  We also use the loan software Calyx Point.

Locking Procedures

Per signed Lock-in Agreement.  Clients rates are locked after discussing all available options.

Third Party Fees


Lender Fees and Other Settlement Costs:

Joe Bartolotta at Fidelity Mortgage Services guarantees lender, broker and third-party closing costs on the day that the rate is locked. If any of these costs at closing are higher than those shown on the good faith estimate given to the borrower at the time the rate lock is confirmed, the company will pay the difference.

Broker Fees

Joe Bartolotta at Fidelity Mortgage Services negotiates fees on a case-by-case basis. Some of the criteria that go into the determination of our fees are: Loan Amount, Credit History, Documentation Type, Borrower Participation, and Closing Time Frame. Typical Fees are as follows:

Origination Fee:

Typically 1% of the loan amount

Processing Fee

$400 which includes the credit report, Fed Ex fees, and processing fee to get loan package to the lender and payment of loan processor and transaction coordinator.

Lender Fees

Wholesale lenders charge a fee to underwrite the file, prepare the loan docs and fund the loan. This also includes the tax service fee and the flood certification fee.

Appraisal Fee

Ranges between $300-$450 depending on type and size of home.

Yield Spread Premium

The spread that the bank pays us to deliver a certain rate to the customer. Joe Bartolotta at Fidelity Mortgage Services always discloses this fee.

Broker Fees

I do not charge a Broker Fee.

Joe has been working at Fidelity Mortgage Services since March 2002.  He has quickly earned the trust of his clients and business partners.  He serves his clients with respect and professionalism that is rarely observed in today's busy marketplace.  Prior to joining Fidelity Mortgage Services, Joe was in the military where he earned numerous medals.  Joe also has over 13 years of experience in the customer services departments in both Lexus and BMW.  Joe utilizes his experience both in the military and in the customer service industries to better serve his clients. 

He volunteers as a Trustee for the Sons of Italy in America, he is a blood donor, a board member for his HOA, and spends time with children of single parent families.   

Fidelity Mortgage Services
101 Wymore Rd
Suite 500
Altamonte Springs, Florida 32714

407.340.0220 [phone]
[email protected]