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Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention. But the loan program itself—whether it's a fixed rate, adjustable rate, FHA, conventional, or something else—shapes how your loan actually behaves over time. Different programs have different rules about how long your rate stays locked, what down payment you need, and how flexible you can be if your life changes. The right program for someone else might not be right for you, depending on how long you plan to stay in your home and what kind of payment predictability matters to you. Understanding what's available to you is the first step to picking something that fits. Let me walk you through the programs that make sense for your situation.
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