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Loan Programs
Your loan type shapes what you pay and when
Most homebuyers know rates matter, but fewer realize that the type of loan you choose—conventional, FHA, VA, USDA—affects more than just your interest rate. Each program has different down payment options, credit requirements, and rules about what you can borrow. Some work better if you're buying rural property. Others make sense if you're a first-time buyer with limited savings. Others reward military service or offer flexibility that conventional loans don't. The right fit depends on your situation, your timeline, and what matters most to you—lower upfront costs, smaller monthly payments, or something else entirely. It's worth a conversation to see what's actually available to you.
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