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Loan Programs
Why your loan type matters more than you think
Not all mortgages are created equal. The type of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, VA, USDA—shapes your payment stability, upfront costs, and long-term financial picture in ways that go well beyond the interest rate. Some programs offer flexibility if your life changes. Others lock in predictability from day one. Some require less down payment or have more forgiving credit requirements. The right choice depends on your timeline, risk tolerance, and what you need from your home loan. If you're not sure whether your current loan type still makes sense for your situation, or if you're shopping for a home and wondering which program fits your needs, I'd love to walk you through the options. Let's talk about which loan program works best for your goals.
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