MORTGAGE EDUCATION
Why an FHA Streamline Refinance Could Be a Smart Move Right Now
For homeowners with an existing FHA loan, the FHA Streamline Refinance offered through the Federal Housing Administration can be one of the simplest w …
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Why a 15-Year Mortgage Might Be the Smartest Move You Can Make
When most buyers think about financing a home, the 30-year mortgage gets all the attention. It’s familiar, flexible, and keeps monthly payments lower. …
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Why Mortgage Insurance Is Actually a Win for Homebuyers
When buyers hear the term mortgage insurance, the first reaction is often negative. It’s easy to assume it’s just another fee added to the monthly pay …
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Leveraging Equity: How Smart Investors Use Existing Properties to Grow Their Portfolio
In today’s real estate market, savvy investors are finding that the key to accelerated growth isn’t always buying new properties using cash assets, it …
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Qualifying for a Mortgage as a Gig Economy Worker
The workforce is changing. More Americans than ever are earning income through the gig economy driving for rideshare companies, freelancing online, ru …
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How the $200 Billion Mortgage Bond Purchase Could Reshape Mortgage Markets, Homebuyers and the Economy
On January 8, 2026, President Donald Trump announced a bold initiative directing the federal government to have Fannie Mae and Freddie Mac purchase $2 …
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Higher Conforming Loan Limits for 2026
The Federal Housing Finance Agency (FHFA) recently announced that the baseline conforming-loan limit for 2026 will rise to $ 832,750 for a one-unit ho …
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Home Purchase Guide: How to Buy a Home with Confidence
Buying a home is one of the biggest financial decisions you’ll ever make—but it doesn’t have to be overwhelming. Whether you’re a first-time homebuyer …
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Benefits of working with a Mortgage Loan Officer
Expert Guidance Navigating the Process: A mortgage loan officer helps you understand the complex mortgage application process. Loan Options: They prov …
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FHA vs. Conventional Loans
Compare two of the most popular loan options to find the right fit for your goals. FHA and Conventional loans are two of the most popular ways to buy …
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Real Estate Investing is a Smart Long-Term Investment
Investing in real estate has long been regarded as one of the most reliable ways to build wealth. From owning a single rental property to participatin …
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DTI!
If you are in the home buying process, you have undoubtedly heard the term DTI over and over again. What is a DTI and why is does it matter? DTI stand …
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Mortgage Glossary
2/1 Buy Down MortgageThe 2/1 Buy Down Mortgage allows the borrower to qualify at below market rates so they can borrow more. The initial starting inte …
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10 DO NOTS
10 DO NOTS:When Applying for a Mortgage Getting a Mortgage Loan is all about your ability to repay that loan. Even if you have a preapproval offer fr …
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Loan Application Steps
How much can you borrow – Get Pre-Qualified The first step in obtaining a loan is to determine how much money you can borrow. In case of buying …
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Pre-Approval Process
Get Pre-Approved! Are you shopping for your new home? Many lenders offer a quick Pre-Qualification, basically a review of your credit report and …
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Home Purchase Basics
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-t …
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Power of Home Ownership
Here at Fidelity Direct Mortgage, we believe that owning a home is more than just a financial investment; it is a symbol of independence and security. …
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Locking Your Mortgage Rate
One of the most pressing issues when applying for a mortgage is when do I lock in my mortgage rate? Rates go up. Then rates go down. When is the right …
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Secrets of a Credit Score!
Your Credit Score helps financial institutions determine your overall credit situation. A Credit Score helps insurance companies, and employers determ …
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HOME EQUITY
What is Home Equity? In an economic climate plagued by rising inflation and disrupted stock market performance, many of FDM’s clients have found …
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Should you Buy Down a Lower Mortgage Rate?
Mortgage Rates Hit a 40-Year High? Would a Buydown Help? Over the past two-years the rapid increase in mortgage rates shocked potential homebuyers. …
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Apply for a mortgage online or in person
In today’s digital world, it’s easier than ever to apply for a mortgage online. A few clicks, some basic information, and—boom—you’ve started the proc …
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Refinancing a Mortgage: A Comprehensive Guide
Refinancing a mortgage can be a powerful financial tool for homeowners looking to save money, pay off debt faster, or change the terms of their h …
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Tax Benefits of Owning a Home
For many, buying a home is a major financial milestone — one that brings stability, pride, and long-term investment potential. But beyond building equ …
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Right Time to Refinance Your Mortgage
When is the Right Time to Refinance Your Mortgage? Refinancing a mortgage can be a smart financial move, but timing is everything. Homeowners often wo …
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Renovation Loan is a Smart Financial Move
Why a Renovation Loan is a Smart Financial Move? Whether you’re upgrading an outdated kitchen, adding a new bathroom, or repairing a leaky roof, home …
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Spring is the Best Time to Buy a House
Why Spring is the Best Time to Buy a House? Spring is often associated with fresh starts, blooming flowers, and longer days—but for many homebuyers, i …
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How to Avoid Trigger Leads When Applying for a Mortgage.
How to Avoid Trigger Leads When Applying for a Mortgage. When you are applying for a mortgage, you are likely focused on securing the best interest ra …
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Five Key Factors That Determine Your Mortgage Rate.
Five Key Factors That Determine Your Mortgage Rate. When buying a home or refinancing an existing loan, your mortgage rate plays a key role in determi …
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How to Pay Off Your Mortgage Early
How to Pay Off Your Mortgage Early: A Practical Guide to Financial Freedom Paying off your mortgage early is a powerful financial move that can save y …
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Homeowner vs. Renter Net Worth
The Wealth Gap: Homeowner vs. Renter Net Worth One of the most striking financial differences in the U.S. today lies in the net worth of homeowners co …
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Home Prices Are Cooling
Home Prices Are Cooling: What It Means for Buyers and Sellers After years of rapid appreciation, the housing market is showing signs of a shift. Home …
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Checking Your Credit Score
What is a Credit Score? A credit score is a three-digit number that reflects your creditworthiness, or how likely you are to repay debt. It is calcula …
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Mortgage Insurance (PMI)?
What Is Private Mortgage Insurance (PMI)? Private Mortgage Insurance, commonly known as PMI, is a type of insurance that protects mortgage lenders aga …
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Solar Panels on your Home? Pros and Cons Explained
Should You Put Solar Panels on your Home? Pros and Cons Explained! With rising energy costs and growing concerns about climate change, many homeowners …
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Understanding Secured Credit Cards Credit
Understanding Secured Credit Cards: A Smart Step Toward Building Credit Secured credit cards are powerful financial tools designed to help individuals …
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Challenges of Self-Employed Buyers
The Challenges Self-Employed Buyers Face When Getting a Mortgage Buying a home is a major milestone, but for self-employed individuals, securing a mor …
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Rule of 72
Understanding the Rule of 72: A Simple Tool for Estimating Investment Growth Albert Einstein said: “Compound interest is the eighth wonder of the …
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Break Even on a Mortgage Refinance
How to Determine When You Break Even on a Mortgage Refinance Refinancing your mortgage can be a smart financial move, but it is important to know when …
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Mortgage Rate Drop After a Fed Rate Cut
Why Mortgage Rate May Not Drop Much After a Fed Rate Cut. Market Reaction Precedes Fed Action The question of the day in the news is what will the Fed …
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Benefits of a Pre-Approval
Before venturing into the property market to shop for a home, you need to get pre- approved. This process requires a careful scanning of your current …
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FHA Streamline. The Easy Way To Refinance!
An FHA Streamline Refinance is designed to make it easier and faster for borrowers with an existing FHA-insured mortgage to refinance into a new FHA loan. The key appeal is the reduced paperwork and underwriting compared with a traditional refinance. …
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The Thaw Begins:
Weekly housing data shows a gradual normalization after winter lulls, with new listings beginning to expand and buyer activity picking up as market data returns to typical seasonal patterns. Elevated inventory in many areas is giving buyers more option …
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A 15-Year Mortgage.. The Espresso Shot of Mortgage Loans !
A 15-year mortgage is basically the espresso shot of home loans. While a 30-year mortgage slowly sips interest for three decades like it’s at brunch, the 15-year shows up, pays things off, and leaves early. The biggest perk is the massive interest savi …
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