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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
Get Started Today! Call: (301) 869-6000 | (866) 527-8052
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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.
Student Loan Changes!
Apr 23, 2025
The Trump Administration announced it will resume collection efforts on defaulted student loans for the first time in five years. The change will affect 5.3 million student loan borrowers who went into to default before the COVID Pandemic. Technically, a borrower is considered in default when they fail to make a payment for at least 270-Days. Even more borrowers are delinquent on their payments and may be headed toward default. According to data provided by the Department of Education, 2.9 million borrowers are 61-90 days late on their loan payments. Another 4 million are in "late-stage delinquency," have been reported to the credit bureaus and are quickly approaching default. The collection efforts go into effect May 5, 2025, and can actions such as wage garnishment up to 15% of the borrowers disposable income or recovery of tax refund.
The changes announced can impact your mortgage qualification. Your credit score may be change, and not for the better. How does the Student Loan Payment impact your mortgage qualification? Did you know that Fannie Mae, Freddie Mac, FHA and VA all have different guidelines for Student Loans? Are you in Student Loan Deferment? Do you have an Income Based Repayment Plan (IBR)? What payment is reflected on your credit report? All of these things matter. If you are looking to buy your new home, and have a Student Loan, please contact a FDM Mortgage Professional to determine if the recent Student Loan repayment announcement will impact you.
Gaithersburg, MD
438 North Frederick Ave, Suite 315
Gaithersburg, MD 20877
Tel: (301) 869-6000 | (866) 527-8052
Email: contact@fdmhome.com