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Loan Programs
Why your loan type matters more than you might 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—whether fixed-rate, adjustable-rate, or something in between—shapes your entire borrowing experience. Different programs offer different trade-offs: some lock in predictability, others offer flexibility or lower starting costs. The right choice depends on your timeline, risk tolerance, and financial goals. If you're planning to stay in your home long-term, that might point you one direction. If you think you'll move or refinance sooner, another option could make sense. I'd love to walk through what each type means for your specific situation. Let's talk through which loan program fits your plan.
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