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Loan Programs
Not all mortgages work the same way
One thing I notice is that a lot of borrowers think they know what loan program they have—or what's available to them—but there's actually more flexibility than most people realize. Fixed-rate mortgages, adjustable-rate options, FHA loans, conventional programs, portfolio loans—they all have different rules about what you can borrow, what your credit needs to be, what down payment works, and how your payment behaves over time. The right choice depends on your situation: how long you plan to stay in the home, your comfort with payment changes, your down payment amount, and what your lender can offer. I'd love to walk you through what might make sense for your goals. Let's talk about which loan program fits your situation best.
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