Fidelity Direct Mortgage Corp is a licensed Mortgage Banker.
Sr. Mortgage Loan Originator
Meet Keith Cloak
Fidelity Direct Mortgage
Keith Cloak is an award-winning mortgage lender and top-producing industry leader, recognized with numerous national and regional honors for excellence in mortgage financing. He manages a boutique mortgage branch built on a simple yet powerful philosophy: listen closely to clients, follow through on every commitment, communicate with transparency, and operate with the highest level of professional efficiency. Widely regarded as the local go-to expert in mortgage financing, Keith is frequently quoted and featured in financial publications. Whether you are financing your next home or simply seeking clarity in an ever-changing lending environment, Keith welcomes the opportunity to speak with you directly and provide trusted, results-driven guidance.
NMLS ID # 212030
Office Phone
(239) 308-4624
Mobile Phone
(239) 919-0719
Email
keith.cloak@fdmhome.com
Primary Branch Location
Fidelity Gaithersburg Branch
438 North Frederick Ave, Suite 310
Gaithersburg, MD 20877
Licensed Mortgage Banker
NMLS# 2399635
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ARM Muscle!!!
A 7/1 ARM, adjustable-rate mortgage with a fixed rate for the first 7 years, adjusting annually after that, has some real advantages that make it worth considering for the right borrower. Here’s the case for it, along with the trade-offs to consider.Lo …
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Yes, Rates Are Up, But It Is Still A Buyer’s World!
Mortgage rates are the story dominating headlines. The average 30-year fixed rate climbed to 6.69% for the week ending August 6-7, 2026, and notably, this marks the first time in 44 weeks that current rates have surpassed year-ago levels. That uptick i …
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Affordable?
With mortgage rates moving higher over the past week, many home buyers are looking for ways to improve affordability without delaying their home purchase. One option gaining popularity is the 2-1 temporary mortgage rate buydown. This financing strategy …
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