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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

Buyers Still Win!

July 14, 2025

The mid-year inventory growth we have experienced over the past months is stabilizing. New listing surged in July, up 29% compared to last year, but now appears to be plateauing. Total active inventory hit over 108 million units, the highest since 2019, but remains below pre-pandemic levels. Listings are staying on the market longer. In June, 39 of the 50 largest metro areas in the United States saw increased days-on-market. More inventory and houses staying on the market longer are forcing sellers to work with buyers. Seller concessions and price reductions continue to grow. One in five sellers (20%) reduced prices. Builders are advertising buyer incentives to move homes. We expect this trend to continue. Mortgage rates remain slightly below 7%, inching up to 6.83% from 6.67% the week prior. If you are looking to buy the market remains slanted slightly in your favor.

Safe and Affordable!

More affordable and safe. Fixed Rate Mortgages have been stubbornly hovering around 7%. This makes buying your new home seem unaffordable. The general thought process in the market is that mortgage rates will move lower in the near future. This is making many prospective buyers wait. The problem is waiting will end up costing you more money. When mortgage rates fall, home prices rise eliminating any savings you thought you would have. There is a program that is safe and affordable that can help you buy today. The 5/1 ARM. The biggest appeal of a 5-year ARM is the lower initial interest rate, often significantly below that of a 30-year fixed mortgage. This can mean lower monthly payments and greater affordability upfront. A 5/1 ARM is a smart fit for buyers who plan to move, sell, or refinance within five years. Why pay for a 30-year fixed rate if you will not stay that long? With lower initial payments, borrowers can free up cash for renovations, investments, or other financial goals during the fixed-rate period. The reduced rate on a 5-year ARM can increase a borrower’s purchasing power, allowing them to qualify for a more expensive home or afford a more competitive offer. If rates drop or stay stable, many borrowers refinance before the adjustment period starts—potentially locking in another low rate or switching to a fixed mortgage. When mortgage rates are high but expected to fall in the future, a 5-year ARM lets borrowers avoid locking into long-term high interest while retaining flexibility. A 5/1 ARM may be just the right product for today.