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Mortgage Basics
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—fixed, adjustable, conventional, FHA, VA, or USDA—shapes your entire borrowing experience. Each one has different rules about down payments, credit requirements, how long your rate stays locked in, and what happens to your payment over time. The right choice depends on your timeline, how stable your income is, and how comfortable you feel with change. A loan that works perfectly for one person might create stress for another. I'd like to help you understand which structure actually fits your life and goals, not just which rate looks cheapest today. Let's talk through your situation and find the loan type that makes sense for you.
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