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Loan Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about refinancing, the interest rate gets most of the attention—but your loan program matters just as much. A fixed-rate mortgage, an ARM, an FHA loan, a conventional loan—they all have different rules, benefits, and tradeoffs. Some programs let you put down less money upfront. Others give you flexibility if rates drop. Some work better if you're planning to sell in five years; others reward you for staying put. The right choice depends on your timeline, your comfort with risk, and what you're trying to accomplish. I'd love to walk you through what's actually available to you and why one program might fit your situation better than another. Let's talk about which loan program makes sense for where you are right now.
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