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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 the type of loan you choose matters just as much. A fixed-rate mortgage works differently than an adjustable one. FHA loans, conventional loans, and other programs each have their own rules about down payments, credit requirements, and long-term costs. The best loan for your neighbor might not be the best for you, depending on how long you plan to stay in your home, how much you can put down, and what your financial goals are. I've seen borrowers save real money by finding the right program match, not just the lowest rate. If you're curious about which option might fit your situation, I'm here to walk through the choices with you. Let's talk about which loan program makes sense for your goals.
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