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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

Shutdown?

September 30, 2025

The current focus of all markets nationally is the looming Government shutdown. Stock Market, Bond Market and Real Estate Market watchers are all asking. Will they, or won’t they? A shutdown tends to increase uncertainty. That can make buyers more cautious, reduce demand, and slow transaction activity. Also, in financial markets, a “flight to safety” effect could push Treasury yields down, which might lower mortgage rates temporarily; but conversely, concerns about U.S. fiscal stability could push yields higher.  Over time, a prolonged shutdown could weaken the broader economy and reduce homebuying power. While the Government shutdown is certainly the market focus, the housing market continues the shift to a buyer’s market. The U.S. housing market continues to show signs of cooling as affordability pressures continue. In response home prices are rising more slowly, and in many major metro areas, sellers are beginning to lower asking prices, offer closing cost assistance and other buyer incentives to attract interest. National Homebuilders have been aggressively pushing for incentives for buyers. One more interesting market development. In the brokerage world, consolidtation is underway: Compass announced a $1.6 billion stock-based acquistion of Anywhere Real Estate, reflecting pressure on traditional broker models and increased competition from more tech enabled platforms. As AI continues to have an impact on the real estate market, we may see more consolidations.

FH...Affordable.

FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible, especially for first-time buyers and those with limited savings or lower credit scores. FHA loans allow for lower down payments, as little as 3.5% with more flexible credit requirements compared to conventional loans. Because the FHA insures the lender against losses, banks and mortgage companies are more willing to extend financing to borrowers who might not meet stricter conventional standards. FHA loans are more flexible working with grants and other downpayment assistance programs. In some cases, you can use a FHA Mortgage and downpayment assistance to purchase your new home with zero down payment. However, FHA loans require both an upfront mortgage insurance premium (UFMIP) and ongoing monthly mortgage insurance, which increases the overall cost. Despite this, they remain a popular option for buyers looking to enter the housing market with modest savings or less-than-perfect credit. If you are looking for your new home and you do not think you have enough cash to close or have concerns about your credit score, an FHA loan may be the best option.