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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

HUD Announcement!

Apr 01, 2025

IMPORTANT & BREAKING – The Department of Housing & Urban Development, insurer of FHA loans, has announced that effective May 25, 2025, Non-Permanent Residents of the US will no longer be able to take advantage of the benefits afforded by FHA loans. Still the most popular loan option amongst first-time homebuyers, this action will severely limit many of our neighbors’ options to become proud new homeowners this year.   There’s still time for our Non-resident peers to qualify for FHA loans, but only until May 25th. Tell your neighbors, tell your friends! FDM is your FHA specialist and we’re working overtime to ensure that all eligible borrowers make the cutoff. Fidelity Direct Mortgage remains committed to equal and equitable lending for all and will stop at nothing to ensure that “No FDM Borrower Will Ever Be Left Behind.”

Changes…..Solutions!

On March 26, 2025, HUD issued Mortgagee Letter 2025-9 Revisions to Residency Requirements fundamentally changing the rules for Non-Permanent Resident Aliens access to FHA loans. Basically, after May 25, 2025, Non-Permanent Resident Aliens will no longer be eligible for FHA financing. If you are a Non-Permanent Resident Alien, and are in the United States under certain Visa’s, EAD or TPS Status, you can apply for an FHA loan prior to May 25, 2025. What happens if you cannot act prior to May 25th? FDM has a solution. FDM offers special financing for multiple Visa types and immigration status. The FDM team are experts working with clients with various immigration status. Even if you do not qualify for FHA or Conventional Financing.

If you are unsure of your VISA, TPS or EAD status, please contact your FDM Mortgage Professional today. We can help.