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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 one depends on your situation. A fixed rate locks in your payment for the life of the loan. An adjustable rate may start lower but can change over time. Government-backed programs like FHA loans let you put down less upfront; conventional loans often give you more flexibility. The program you choose affects not just your interest rate, but your down payment, your monthly payment, how long you have to pay, and what happens down the road. Understanding which one fits your goals—whether you're buying your first home, moving up, or refinancing—makes a real difference. I'd love to talk through your options and find the program that makes the most sense for you. Let's find the right loan program for your situation—reach out anytime.
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