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Loan Programs
Your loan type shapes your whole mortgage
Most people focus on the interest rate when they're shopping for a mortgage, but the loan program itself—whether it's fixed-rate, adjustable-rate, FHA, conventional, or something else—often matters just as much. Different programs come with different rules about down payments, credit requirements, flexibility, and long-term costs. What works best for someone putting down 20% might not be the right fit for a first-time buyer, and what makes sense for someone staying put for 30 years might not make sense for someone who plans to move in seven. Taking time to understand which program aligns with your situation, timeline, and risk comfort is one of the smartest moves you can make. I'd be happy to walk you through the options. Let's talk about which loan program might be the best match for your situation.
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