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Loan Program Basics
What loan program is actually right for you?
When you're shopping for a mortgage, it's easy to focus only on rates—but your loan program matters just as much. Different programs (conventional, FHA, VA, USDA) have different rules about down payments, credit scores, property types, and fees. One program might let you put down less money; another might offer better terms for your specific situation. The right choice isn't about what sounds best in a commercial—it's about what fits your finances, your timeline, and your goals. I've seen borrowers save real money by choosing the program that actually matched their life, not just chasing the lowest number they heard. That's why I always recommend we sit down and talk through your options together. Let's find out which program makes the most sense for your situation.
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