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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

Inventory Challenges In 2025

September 02, 2025

Real estate trends are currently defined by a mix of affordability challenges and persistent demand. Mortgage rates remain higher than in recent years, reaching a high 6’s. This has reduced some buyers’ purchasing power, while limited housing inventory continues to support steady or rising home prices in some areas. Sellers with low-rate mortgages are hesitant to move, creating what many call a “lock-in effect,” while buyers are increasingly turning to new construction as one of the available options. Builders are responding with incentives like rate buydowns and closing cost assistance to attract hesitant buyers. At the same time, suburban and secondary markets are drawing more attention as people look for affordability outside of major metro areas. While listing inventory has increased compared to 2024, the market still reflects a balance between constrained supply, creative financing solutions, and shifting buyer preferences, all of which will continue to shape real estate in the months ahead.

Lower Payments Upfront? Try an ARM!

An adjustable-rate mortgage (ARM) can be a smart choice for buyers who want lower initial monthly payments and plan to move, refinance, or pay off their loan before the rate adjusts. Because ARMs typically start with a lower interest rate than fixed-rate mortgages, they can make homeownership more affordable in the short term, freeing up cash for other expenses or investments. This option can also benefit buyers who expect their income to grow over time, as they can take advantage of the lower upfront costs while preparing for potential future adjustments. In a high-interest-rate environment, an ARM offers flexibility and the opportunity to lock in savings during the early years of homeownership.