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Loan Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about refinancing, the interest rate gets most of the attention. But the type of loan you choose matters just as much. Fixed-rate mortgages, adjustable-rate mortgages, FHA loans, conventional loans—each one has different rules about how much you can borrow, what your payment looks like, and how your loan behaves over time. The right choice depends on your situation: how long you plan to stay in your home, how much you have saved, your credit picture, and your comfort level with payment changes. I've worked with borrowers who picked the wrong program and ended up stressed or house-poor. The right one can feel like a relief. Understanding your options upfront takes the guesswork out of one of life's biggest decisions. I'd be happy to walk you through which programs might make sense for your situation.
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