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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention—but the loan type itself matters just as much. A fixed-rate mortgage, an adjustable-rate mortgage, an FHA loan, a VA loan—these aren't just different names. They come with different rules about how your payment works, what you need to qualify, and how much house you can afford. The right choice depends on your timeline, your financial situation, and how much certainty you want in your monthly payment. If you've never really understood the differences, or if your circumstances have changed since you bought, it's worth a conversation. I can walk you through what each type actually means for your wallet and your peace of mind. Let's talk about which loan program fits your life right now.
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