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Loan Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about your current mortgage, the interest rate gets most of the attention. But the type of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, VA, or USDA—shapes your monthly payment, long-term costs, and what happens to your rate down the road. Each program has real trade-offs. What works for one borrower might not work for another, and your situation today might call for something different than it did a few years ago. That's why it helps to look at your options with clear eyes. I'm happy to walk through what each program means for your specific goals and budget. Let's talk about which loan program makes sense for where you are right now.
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