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Loan Programs
Why your first loan choice might not be your best one
When you're shopping for a mortgage, it's easy to focus on the headline rate and call it done. But the loan program itself—conventional, FHA, VA, USDA—shapes your entire borrowing experience. Each one has different rules around down payments, credit requirements, closing costs, and long-term flexibility. What works perfectly for your neighbor might cost you thousands or lock you into restrictions that don't fit your situation. The right program depends on your timeline, how long you plan to stay in the home, your financial cushion, and what you're trying to accomplish. I've seen borrowers save real money just by matching their situation to the program that actually serves them best. If you're curious about which option makes sense for you, I'd love to walk through it together.
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