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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 loan program you choose matters as much as the interest rate. Fixed-rate mortgages lock in your payment for the life of the loan. Adjustable-rate mortgages start lower but can change over time. FHA loans, VA loans, conventional loans — each has its own rules about down payments, credit requirements, and what you can afford. The right program depends on your situation: how long you plan to stay, whether your income might grow, and how comfortable you are with payment changes. Understanding your options means you won't overpay for features you don't need, and you won't miss programs that could actually work better for you. If you'd like to talk through which program fits your goals, I'm here to walk you through it.
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