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Loan Programs
Not all mortgages work the same way
When you're looking at a mortgage, the interest rate gets most of the attention—but the loan program itself matters just as much. Different programs have different rules around down payments, credit requirements, how much house you can afford, and what happens if rates move. A fixed-rate mortgage works one way. An adjustable-rate mortgage works another. FHA, VA, and conventional loans each have their own strengths depending on your situation. The right program for your neighbor might not be the right one for you. That's why I always recommend sitting down to talk through what you're trying to do before we lock into anything. The more we understand about your goals and constraints, the better we can match you with a program that actually serves you. If you'd like to explore which loan program makes sense for your situation, let's talk.
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