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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 VA. Each one has different rules about down payments, how your interest rate behaves, and what fees apply. The right program for someone buying their first home looks nothing like the right program for someone with significant equity refinancing. I've seen borrowers waste time chasing a loan type that wasn't built for their situation. Understanding which program actually fits your goals and timeline makes a real difference in how smoothly the process goes and what your actual costs end up being. If you're curious which loan type might make sense for where you are right now, I'm happy to walk through your options.
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