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Loan Programs
Not all mortgages are built the same way
One of the biggest surprises I see is how many people think they have only one loan option. The truth is, depending on your situation, you might qualify for several different programs—each with its own payoff. Some borrowers benefit from fixed rates that never change. Others do better with adjustable programs early on, or loans designed for first-time buyers, or programs that let you put down less upfront. Your credit, your down payment, your timeline, and your goals all factor into what makes sense. The right fit for your neighbor might not be your right fit. That's why it's worth having a real conversation about what's actually available to you, not just what you've heard about. If you're curious about what programs you might qualify for, I'm happy to walk through your options.
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