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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 matters just as much. Different programs have different rules about down payments, credit requirements, how long you have to repay, and what happens if rates move. A 15-year loan feels different than a 30-year one, and adjustable-rate programs behave differently than fixed-rate options. The right choice depends on your timeline, your comfort with change, and what you're trying to accomplish. That's why I always encourage borrowers to understand not just the rate they're quoted, but the program behind it. Let's talk about which option makes sense for where you are right now. Reach out if you'd like to explore which program fits your situation best.
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