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Loan Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about refinancing, you'll hear about different loan types—conventional, FHA, VA, USDA. They each have different rules about down payments, credit requirements, and who qualifies. The right program for your neighbor might not be the right one for you. What matters is understanding which option actually fits your situation: your down payment amount, your credit profile, your income, and what you're trying to accomplish. I've seen borrowers save time and stress by getting clear on which programs they genuinely qualify for before they start house hunting or make a refinance decision. It's worth a conversation to figure out what makes sense for you. Let's talk about which loan program might be the best fit for your goals.
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