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Loan Basics
Why your loan type matters more than you think
Not all mortgages work the same way. The type of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, or something else—shapes how your payment behaves, what fees you pay, and how much house you can afford. Each has real trade-offs worth understanding before you commit. Some borrowers benefit from one program; others are better served by another. The right fit depends on your timeline, risk tolerance, and financial picture. If you've never talked through the differences, or if it's been a while since you looked at your own loan, it's worth a conversation. I can walk you through what you have and whether a different program might serve you better. Reach out if you'd like to review your current loan or explore what might work best for your situation.
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