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WHAT WOULD YOU LIKE TO DO TODAY?

Build a Home

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

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

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

Commercial Loans

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


Mortgage Payment Calculator


Payment / Amortization Calculator

Calculate your monthly payment for fixed rate or adjustable rate loans.

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Featured Loan Programs


First Time Home Buyers
First Time Home Buyer

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


Niche Products
Specialized Lending Solutions

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" - Link Loans
Link Loans

"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.


Another week of the market shifting to the buyer!

July 01, 2025

Interest rates improved slightly according to Freddie Mac decreasing from 6.81% to 6.77% last week. The Federal Reserve held rates steady at the June 18th meeting keeping the Fed Funds Rate in the 4.25% to 4.5% range. Although the benchmark rate remained the same, Fed projections shifted. Members now expect two quarter point rate cuts later in 2025, possibly in September and December. Real estate inventory continues to improve as it keeps shifting from the Seller’s market we have seen for the past 6 years to a more balanced market. Buyers are finding sales prices are leveling off and sellers are more willing to negotiate. Seller closing cost assistance, home inspections, Appraisals, and other inducements for the buyer have all returned to the market. The trend is certainly in the buyers favor and appears conditions will continue move to the buyers’ favor. If you were pushed out of the market over the past several years, this is the perfect opportunity to reenter the market.

How to use your mortgage as a financial tool to save you money!

If you are looking to buy your dream home or refinancing your current mortgage to a lower rate, the question most often asked is what happens if rates get better? This one question stops many buyers from taking action which ends up costing them thousands of dollars. What causes most buyers to wait? The name of the product. We see 30-Year Fixed Rate Mortgage, and mentally think we are tied to this decision for 30-years. The reality is that mortgages are a flexible financial tool. The average life of the 30-Year Mortgage is 7-years! If you are looking to refinance your mortgage and are saving money each month, you should refinance today. If you are saving $300.00 per month but you decide to wait until rates get better, if rates take 7 months for mortgage rates to get lower you lost $2,100.00 in savings. The most effective strategy is to refinance now saving money each month. When mortgage rates improve, FDM will refinance you to lower rates for free. Save now and save later! If you are looking to buy, the market is in your favor. When mortgage rates improve, more buyers enter the market. More buyers mean more competition for homes, pushing prices higher. What you save in lower interest rates you lose in the sales price increase. The most effective strategy is to buy now locking the lower sales price. When mortgage rates improve FDM will refinance you to lower rates for free. Learn how to effectively use a mortgage as the flexible financial tool it is. The FDM Free Refinance Program will refinance you loan for free with no lender fees!

 


Gaithersburg, MD

438 North Frederick Ave, Suite 315

Gaithersburg, MD 20877

Tel: (301) 869-6000 | (866) 527-8052

Email: contact@fdmhome.com