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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

Window of Opportunity!

December 08, 2025

This may be one of the most favorable windows of opportunity for homebuyers we have seen in years. Overall housing inventory climbed above 1 million units nationwide — a return to pre-pandemic levels. Mortgage rates continue their slow trend, hitting their lowest point since October. The higher supply of homes is calming the seller’s market conditions of recent years leading to a more balanced market where buyers have more negotiating power.  Sellers are offering buyer incentives such as closing costs assistance, seller paid buydowns, and accepting reduced price offers to move their properties. It is important to remember. The shift is gradual. The price growth is not collapsing, but the pace of appreciation is slowing relative to the frenetic pace of the early 2020’s market. This window of more inventory and slightly lower rates will not remain open for ever.  One thing to monitor this week is the FOMC meeting on Wednesday.  The market expects a .25% Rate Cut.  That does not mean a reduction in mortgage rates.

Investor Cash Flow Opportunity!

Unlock your rental equity without touching your low first-mortgage rate! A DSCR second mortgage keeps the focus only on the property cash flow not tax returns or other income documentation. If you need capital for your next deal? A DSCR 2nd mortgage lets you tap equity fast using the property’s income. Simple, flexible, and portfolio friendly. No W-2s, no tax returns, no DTI just cash flow. A DSCR second mortgage helps you leverage existing rentals to fund your next investment without refinancing your first. Keep your low rate first mortgage and access your equity. DSCR second mortgages are a game changer for investors in 2025…. attractive rates, fast approvals, cash-flow-based underwriting, no seasoning requirement, and no prepayment penalty! Perfect for investors who want speed and flexibility.