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Renovate/Build a Home
Sometimes, you may find that your house is a long way from becoming your home. Enter FDM’s full suite of products designed to assist you in realizing your dream. From a freshening or addition to full-scale ground-up construction, allow us to guide you through the complex world of renovation and construction lending... Read More
Buy a Home
Whether you’re a first-time homebuyer or seasoned investor, Fidelity Direct Mortgage has your financing solution waiting. We’ve assisted thousands of borrowers just like you purchase their forever home or further their legacy by investing in real estate. Let our team of professionals go to work for you, on your time, and on your terms... Read More
Get Pre-Approved
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
Refinance Your Home
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
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Featured Loan Programs
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
Experience the FDM Difference
Service. Programs. Rates. These are the three key drivers to any mortgage company’s success, including Fidelity Direct Mortgage. Most mortgage companies today can offer these, so what is The FDM Difference? How does FDM make this ideology come to life, resulting in thousands of satisfied clients and partners? Put simply, it’s our people. Each team member that touches your loan, from consultation to closing and beyond, shares the same goal – To create a lifelong relationship with you, our valued clients. From our ability to execute on even the toughest of loans to our united commitment in delivering an unparalleled experience to all parties of the transaction, these are the key components to our longevity and success. Welcome to Fidelity Direct Mortgage. Welcome Home.
Get Started Today! Call: (301) 869-6000 | (866) 527-8052
Happy New Year, Buying in 2025 is more affordable!
Jan 9, 2025
The new Fannie Mae and Freddie Mac Loan Limits are in effect. The 2025 Conforming Loan limit is $806,500.00, a 5.2% increase from 2024. The 2025 High-Cost Area Loan Limits increased to $1,209,750.00. How do higher Conforming Loan Limits help me? There is a big difference between "Agency loans", which by definition are loans meeting Fannie Mae or Freddie Mac Guidelines, and Jumbo Loans. Jumbo loans are often called "Non-Agency Loans." Agency loans have lower interest rates than Jumbo loans. Agency loans are generally easier to qualify for. Agency loans are more flexible with Debt-to-Income Qualifying Ratios and have lower credit score requirements. Agency loans allow for a higher loan to value, which means a lower down payment.
If you have been searching for your new home limited to Conforming Loan Limits, due to loan qualification, your market opportunity has been expanded by $39,950.00 in 2025. If you were looking in the $800,000.00 price range, your mortgage rate just got lower. The increased Conforming Loan Limits just made homeownership a litlle more affordable in 2025. Contact your FDM Mortgage Professional today to see how the new Conforming Loan Limits can help you.
Contact your FDM Investment Specialist today for more details.
Gaithersburg, MD
438 North Frederick Ave, Suite 315
Gaithersburg, MD 20877
Tel: (301) 869-6000 | (866) 527-8052
Email:
contact@fdmhome.com