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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage, you'll hear terms like conventional, FHA, VA, and USDA. They're not just different names—they have different rules, down payment options, and ways rates are calculated. Some borrowers qualify for programs others don't, and the program you choose can affect your monthly payment, how much house you can afford, and what flexibility you have down the road. The right fit depends on your situation: your credit, your down payment savings, your employment, whether you're a first-time buyer. That's why I always recommend talking through your options before you start looking at houses. We can match you to the programs you actually qualify for and explain how each one works. Let's talk about which loan program makes the most sense for your goals.
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