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Loan Programs
Not all mortgages work the same way
If you've been shopping around or talking to different lenders, you might have noticed that loan options vary more than you'd expect. Fixed rates, adjustable rates, FHA, conventional, VA, USDA—each program has different rules about down payments, credit requirements, and how your payment behaves over time. What works beautifully for one borrower might not be the right fit for another. The program that's best for you depends on your situation: how long you plan to stay, what you can put down, your credit profile, and your comfort level with payment changes. I often find that borrowers don't realize how much their options have expanded, or that a program they were told wouldn't work actually could. If you're thinking about buying or refinancing, it's worth a conversation about which loan type actually makes sense for your goals. Let's talk through which loan program aligns with your situation.
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