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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, and VA. They're not just different names—they're built differently, and the right choice depends on your situation. A fixed-rate mortgage locks in your payment for the life of the loan. An adjustable-rate mortgage starts lower but can change over time. Government-backed programs like FHA loans have different down payment and credit requirements than conventional loans. Each one has real trade-offs, and what works great for someone else might not be your best fit. The good news is that understanding these options helps you pick a mortgage that actually aligns with your goals and your life. If you'd like to talk through which program might make sense for your situation, I'm here to walk you through it.
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