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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 market is slowing down, but opportunities abound!

August 15, 2025

This week’s real estate landscape is one of softening demand and growing supply, with both sellers and buyers adopting a wait-and-see stance. While some markets continue to resist downward pressure, others—like Florida—are adjusting more sharply, creating pockets of opportunity for well-positioned buyers. Nationally, home price growth remains subdued while inventory continues to climb. However, the pace of new listings is slowing, suggesting a more cautious market—marked by misaligned expectations between sellers and buyers. New listings for the week ending August 2 rose by only 1.5% year-over-year, significantly lagging previous gains, as many homeowners opt to stay put rather than compromise on pricing. June saw existing home sales fall to a nine-month low (3.93 million annualized), while supply reached its highest level since May 2020 (4.7 months). Home prices ticked up modestly, but builders are offering incentives to attract hesitant buyers amid high mortgage rates near 7% again. Recent improvements in interest rates may pull buyers, hesitant to enter the market, back into the market.

For those that served!

VA loans are a unique home financing option created to honor and support U.S. military service members, veterans, and eligible surviving spouses. Administered by the Department of Veterans Affairs but issued through private lenders, these loans offer benefits that can be difficult to find in conventional mortgages.

Key Features and Benefits:

• No Down Payment – Qualified borrowers can finance 100% of the home’s value without needing to save a large lump sum. VA Loans have no loan limit!
• No Private Mortgage Insurance (PMI) – Unlike many low-down-payment loans, VA loans don’t require PMI, saving borrowers hundreds per month.
• Competitive Interest Rates – Lenders often offer lower rates compared to conventional loans because the VA guarantees a portion of the mortgage.
• Flexible Credit Requirements – While lenders set their own standards, VA loans generally allow for lower minimum credit scores than conventional financing. VA loans offer 100% financing.
• Limits on Closing Costs – The VA restricts certain fees lenders can charge and allows sellers to contribute toward closing expenses.
• One-Time VA Funding Fee – Most borrowers pay this fee (which can be financed into the loan) to keep the program running, though it’s waived for those with service-related disabilities.
• More Flexibility: VA Loans allow for interested parties to actually pay off debt on behalf of the veteran in some cases.   

Eligibility generally depends on your length and type of military service. Once earned, the benefit can be used multiple times and is not a one-time perk. VA loans can be used to buy a primary residence, build a new home, refinance an existing mortgage, or even make certain home improvements.

If you would like to learn more about VA Loans, or a side-by-side comparison of VA loans vs. FHA and conventional loans so you can see exactly where VA loans stand out, contact an FDM Mortgage Professional Today.