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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage, the interest rate gets most of the attention. But the type of loan you choose—fixed, adjustable, conventional, FHA, VA, or USDA—shapes your whole borrowing experience. Each program has different rules about down payments, credit requirements, who qualifies, and how your rate behaves over time. The right choice depends on your situation: how long you plan to stay, what you can afford upfront, and how comfortable you are with your payment potentially changing. I've worked with borrowers who picked a program that looked good on paper but didn't match their actual needs. That's where a real conversation helps. Let's talk about which loan type makes sense for where you are right now. Reach out and we can walk through your options together.
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