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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

It just keeps getting better for Buyers!

June 09, 2025

The U.S. housing market remains in a cooling but resilient phase. Home inventory has surged to multi-year highs—nearly $700 billion worth of listings—giving buyers more options. Buyers remain reluctant to enter the market due to mortgage rates hovering just under 7 percent. Sellers now outnumber buyers by over 30 percent, prompting price stabilization and modest declines. Meanwhile, rent is expected to rise steadily, particularly amid a slowdown in new multifamily construction. Experts predict continued slow price growth—between 2 and 4 percent—alongside potential easing of rates later this year.  Buyers who remain on the sidelines are missing the best opportunity we have seen to buy a new home in years. Sales prices are cooling. Rents are increasing. Mortgage rates are forecasted to move lower. The best strategy? Buy today, before your rent increases, taking advantage of lower prices. Then refinance when mortgage rates move lower as expected.

$3,000,000.00? $3,500,000.00? $5,500,000.00?

Buying a home over $5,000,000.00 with VA financing at 100% is now possible for eligible veterans and service members who have full VA loan entitlement! In fact, the team at FDM just closed a 100% financing VA loan used to purchase a $5,500,000.00 new home! Thanks to changes in VA loan rules, there is no longer a cap on loan amounts, meaning qualified buyers can finance the entire purchase price—even for multi-million-dollar properties—without a down payment. This benefit makes luxury homeownership more accessible, especially in high-cost areas, and can result in significant savings compared to conventional jumbo loans, which often require large down payments and private mortgage insurance. As long as the borrower has sufficient income, credit, and entitlement, VA loans can be used to purchase homes well above traditional lending limits. If you are a Veteran and are looking in the luxury home market, please contact your FDM Mortgage VA Loan Expert today to see how your Veteran’s Benefits can help you find that special home. You served to protect us. Let us serve you!