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Loan Programs
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, or something else—shapes your entire borrowing experience. Each program has different rules about down payments, credit requirements, and how your payment behaves over time. The right choice depends on your situation: how long you plan to stay in the home, your risk tolerance, and what you can comfortably afford. I help clients match their goals to the right loan structure, not just chase the lowest rate. Understanding your options means fewer surprises down the road. If you'd like to talk through which loan programs make sense for your situation, I'm here to walk you through it.
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