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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention. But the loan program itself—whether it's a fixed rate, an adjustable rate, a government-backed loan, or something else—matters just as much to your long-term costs and peace of mind. Each program has different rules about how your rate behaves, what flexibility you have, and what makes sense depending on how long you plan to stay in your home. The right choice for your neighbor might not be right for you. That's why I always recommend we sit down and look at your actual situation before deciding which direction to go. Let's talk through which program fits your plan—reach out whenever you're ready.
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