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Loan Programs
Your loan options are wider than you think
When you're ready to buy or refinance, the loan program you choose matters as much as the rate itself. Conventional loans, FHA, VA, USDA — each one has different rules about down payments, credit requirements, and what you can afford. Some programs work better for first-time buyers; others reward people with solid equity. The right fit depends on your situation, not what worked for your neighbor. That's why I always start by understanding where you stand before we talk numbers. If you've been curious about what you actually qualify for, or wondering if a different program type might open a door you thought was closed, let's talk it through. Send me a message and we can walk through which programs make sense for you.
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