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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

The Government Shutdown Keeps Going and Going and Going!!!

November 12, 2025

The Government shutdown is just like the Energizer Bunny… It keeps going and going and going.  It has been a brutal 41 days and counting, but there is hope on the horizon. The Senate voted to pass the Continuing Resolution (CR) and open the Government. That will be a relief for millions of U.S. Citizens unfairly impacted by the extended shutdown. Market conditions have remained relatively the same. After several weeks of relatively flat interest rates, mortgage rates nudged higher this week, rising to 6.125%. The good news for buyers continues.  New Listings increased 5.9% this week, creating more opportunities for buyers. Prices continue to moderate as homes remain on the market for longer, and few homes are selling above listing price. In fact, sellers are offering concessions to sell their home such as Seller paid closing costs, Seller paid Realtor Commissions, accepting lower priced offers and even paying for repairs to a property. The market has certainly shifted from the super-heated sellers’ market of one year ago to a more balanced buyer’s market.

The Government Shutdown Is Over? What Can I Expect?

The Government shutdown will end soon. Hopefully, this week.  What can you do to ensure your mortgage process continues smoothly.

• Some federal agencies (IRS, SSA, USDA) are still working through backlogs, so you may see slight delays in verifications.
• Lenders are focusing more on recent income and asset documents to keep files moving.
• FHA, VA, and USDA lending are fully operational again as staffing returns to normal.
• If you were preapproved before or during the shutdown, you likely just need to refresh a few documents, no need to start over.

Homebuyers can move forward with confidence. The market is active, lenders are adjusting quickly, and your path to homeownership is open again.