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Mortgage Basics
Why your loan type matters more than you think
When you're house hunting, it's easy to focus on the price tag and forget about the mortgage itself. But the loan you choose—fixed-rate, adjustable-rate, or an FHA, VA, or conventional program—shapes your monthly payment, your risk, and your peace of mind for years to come. A fixed-rate mortgage locks in your rate for life. An adjustable-rate mortgage might start lower but can change. Government-backed programs have their own rules and benefits. There's no universal "best" choice; it depends on how long you plan to stay, your comfort with risk, and what fits your budget today. I'm here to walk you through the trade-offs so you pick the loan that actually works for your situation. Let's talk about which mortgage structure makes sense for you.
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