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Loan Programs
Why your loan type matters more than you think
Not all mortgages are built the same. The loan program you choose—whether fixed-rate, adjustable, conventional, government-backed, or something else—shapes not just your interest rate, but your flexibility, risk, and long-term costs. Some programs work better if you plan to stay in your home for decades. Others make sense if you're likely to move or refinance in a few years. Your down payment size, credit profile, and financial goals all play a role in which program is actually the best fit for you. It's worth understanding what you're getting into before you commit. I'd love to walk through your options and show you which approach aligns with your real plans. Let's talk about which loan program makes sense for your situation.
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