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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, and others. Each one works differently and carries its own trade-offs. A fixed rate stays the same for the life of your loan—predictable, but the rate is typically higher upfront. Adjustable rates may start lower, but they can move over time. Government-backed programs like FHA loans have different down payment and credit requirements than conventional mortgages. The right choice depends on your timeline, how long you plan to stay in your home, and your comfort level with payment changes. I'm happy to walk you through which programs might make sense for your situation. Let's talk about which loan program fits your goals.
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