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Loan Programs
Not all mortgages work the same way
When you're ready to buy or refinance, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, VA, and USDA. They're not just different names—they have real differences in how they work, who qualifies, and what makes sense for your situation. A fixed rate stays the same for the life of your loan. An adjustable rate may start lower but can change. Government-backed programs often have lower down payment requirements or more flexible credit rules. The right choice depends on your timeline, budget, risk comfort, and what you're trying to accomplish. I'm happy to walk you through what each one means and which might be worth considering for you. Reach out anytime if you'd like to talk through which loan type fits your goals.
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