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Loan Programs
Not all mortgages are built the same
When you're shopping for a home or thinking about refinancing, the interest rate gets most of the attention—but the loan program itself matters just as much. Different programs have different rules about down payments, credit requirements, how long you have to pay back the loan, and what happens if rates move. A conventional loan works one way; an FHA loan works another. A 15-year mortgage feels completely different from a 30-year one, even at the same rate. The right program for you depends on your situation: how much you can put down, how fast you want to build equity, and what monthly payment works for your budget. It's worth having a real conversation about which option actually fits your life, not just which one sounds cheapest on day one. Let's talk about which loan program makes the most sense for your goals.
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