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Loan Programs
What your loan type really controls
Not all mortgages work the same way, and the one you choose affects more than just your interest rate. Your loan program determines how much you put down, what happens to your payment over time, and which borrowers qualify. A fixed-rate loan keeps the same payment for decades. An adjustable-rate loan may start lower but can change. FHA, VA, USDA, and conventional loans each have different rules about credit, income, and property type. Understanding which program fits your situation—not just chasing the lowest rate—is how you avoid surprises down the road. Let's talk through what makes sense for you. Reach out and we can walk through which loan type matches your goals.
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