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Loan Programs
Not all mortgages work the same way
One of the things I talk about most with borrowers is loan type — and it matters more than people realize. A fixed-rate mortgage, an adjustable-rate option, an FHA loan, a conventional loan — they each have different rules, different flexibility, and different costs built in. The right choice depends on your timeline, your comfort with change, and what you're trying to accomplish. Some borrowers need stability and plan to stay put for decades. Others are moving in five years and want the lowest entry payment possible. There's no one-size-fits-all answer, but there is a fit for you. I'd love to walk through what makes sense for your situation. Let's talk about which loan program aligns best with your goals.
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