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Loan Basics
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—conventional, FHA, VA, USDA—shapes your entire borrowing experience. Each program has different requirements, flexibility, and long-term costs that go beyond what you see in the rate itself. A loan that works for one buyer might not be the best fit for another, depending on your down payment, credit profile, and plans for the home. Understanding what you qualify for and why one option makes sense for your situation is just as important as knowing what rate you'll pay. I'm here to walk you through the differences and help you pick the right tool for your goal. Let's talk about which loan program fits your timeline and budget.
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