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Loan Programs
Why your neighbor's mortgage deal might not be yours
When people talk about their mortgages over coffee, they're usually comparing rates—but rates are only part of the story. The loan program you qualify for depends on your down payment, credit profile, income, and what you're buying. A conventional loan, FHA, VA, or USDA program each come with different rules, costs, and flexibility. What works beautifully for one person can be the wrong fit for another. That's why I never recommend a mortgage based on someone else's experience. The right move is to have a real conversation about your specific situation—your timeline, your finances, what matters most to you. Then we can explore which program actually makes sense for you. If you're curious whether you're in the right loan type, or wondering what options exist for your situation, let's talk through it.
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