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Loan Programs
Your loan type matters more than you think
When you're shopping for a mortgage or thinking about refinancing, it's easy to focus only on the interest rate. But the kind of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, VA—shapes your entire financial picture. Each program has different rules about down payments, credit requirements, and long-term costs. Some work better if you're staying put for decades. Others make sense if you might move or refinance down the road. The right fit depends on your timeline, risk tolerance, and how you plan to use your home's equity over time. It's worth spending time understanding which program actually aligns with your situation, not just which one sounds cheapest today. Let's talk through which loan program makes the most sense for your goals.
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