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Loan Programs
What your loan type means for your long-term costs
When you're shopping for a mortgage, the loan program you choose—whether it's a conventional loan, FHA, VA, USDA, or something else—affects more than just your interest rate. Each program comes with different rules around down payments, credit requirements, fees, and flexibility down the road. A program that works well for one borrower might cost another thousands more over time. The right choice depends on your situation: your down payment savings, credit profile, plans to stay in the home, and how much predictability matters to you. I'd love to walk through which programs make sense for your specific goals and show you how they compare. Reach out and we can discuss which loan program aligns best with your financial picture.
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