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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's buying time!

July 09, 2025

Over the past several years after the pandemic the real estate market was clearly a sellers’ market. Lower inventory, increased competition created by historically low interest rates, escalation clauses, multiple offers, offers over appraised values, and competition from institutional buyers shifted market advantage to Sellers’. Unfortunately, this pushed many buyers out of the market. If you missed the opportunity to buy your new home prior to the market shift, the current trend is your friend! Annual price growth continues to cool. The Home Price Index showing growth eased in May to 1.3% and early June data shows home price growth rose by a very modest .02% suggesting more slowing on the horizon. Housing inventory is up 16% over 2024 levels. There was even a slight 4.7% decline in sales. Mortgage rates dipped again to an average of 6.67%.

Buying Time? Inventory exceeding pre-pandemic levels, less competition from buyers and improving mortgage rates are giving buyers an edge. Sellers are willing to negotiate, and nothing is off the table. Reduced sales prices, seller concessions, seller paid closing cost, inspections and contingent contracts are all being accepted. How long will this shift to a buyer’s advantage last? While the buyer’s market may last throughout 2025, a market shift can happen quickly. If you are looking to find that special new home, this is the best time in over 5 years to buy!

Found an imperfect home?

Sometimes you find the perfect sized house with the perfect yard in the perfect neighborhood, but the house is just not…. perfect. The shag carpets, avocado appliances, pink bathroom sink and tub circa 1970 make everything that is perfect about the house immaterial. Too many times, we find the just not right house that can become that perfect house with a few changes. The FDM Team are Renovation Experts and can help you find the perfect renovation program to turn that just miss home to the just right home! FDM can show you how to combine the purchase of your new home and fund the renovation of your new home with one loan with the same downpayment and monthly payment you would have just buying a home. One hidden secret is finding the just miss home and renovating the property to the just right home is often the best investment you can make. Ask your FDM Mortgage Professional how a renovation loan can help you create your dream home.