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A preliminary mortgage approval is only as good as the company who issues it. Find out why today’s top real estate professionals place their trust in FDM every day to deliver results...Read More

It’s no secret that the key to generational wealth is proper management of your home’s equity. This comes in many different forms, such as refinancing to better your rate and term, OR, unlocking the potential of your home’s equity...Read More

First Time Home Buyers

Let’s Face it! Buying your first home can be challenging and confusing. But know that there is help. There are down payment assistance, loan programs, State/County tax breaks designed around First time Home buyers. Read More

Specialized Lending Solutions [Niche Products]

Sometimes, “off-the-rack” might not fit you. Depending on your specific needs, a specialized mortgage may prove to be the vehicle needed to get you home. Read More

"The WONDER LOAN"

The Link Loan Program was created to help a large percentage of population that have had credit or other challenges that do not fit in Agency Guidelines AND they do not have access to 30 percent or more of purchase price...Read More

Are you looking for your new home? It keeps getting better each week!

June 23, 2025

The market continues to improve for those hoping to find their new home. Buyer conditions continue to improve each month. Mortgage rates inched downward again with the average 30-year fixed rate mortgage falling to 6.81% marking the third consecutive weekly decline. Listing Inventory is up over 28% from last year reaching the highest point since 2019. Homes are staying on the market longer. 20% of all listings have been on the market for over 27 days. The median “days on market” is 51 days. Price growth has stalled with year-over-year listing prices down 0.4%, and 26% of all listings are seeing price cuts. If you are looking, you should move quickly. We have not seen the market this balanced since pre-Covid days. The market can shift again to the seller’s advantage in a flash. Contact your FDM Mortgage Professional today!

The right house at the right rate!

Where you are looking to live may make a difference in your interest rate. The FDM Community Loan Program is designed to spur homeownership in targeted Census Tracts. Increased rates of homeownership creates stronger community ties leading to lower crime rates. Increased rates of homeownership also leads to improved civic engagement, increased investment in the community and support for the local schools. The FDM Community Loan Program offers mortgage interest rates up to a full 1.0% below market rates. There are no income limits or 1st time buyer requirements. The FDM Community Loan Program is based on Census Tract only fostering homeownership in these markets. Before you make an offer for your new home, contact your FDM Mortgage Professional to determine if the property qualifies for the FDM Community Loan Program. A below market rate may be available.