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Loan Programs
Fixed vs. adjustable: which fits your plan
When you're shopping for a mortgage, you'll run into two main flavors: fixed-rate loans, where your payment stays the same for the life of the loan, and adjustable-rate mortgages, where the rate can change after an initial period. Fixed rates give you predictability and peace of mind—you know exactly what you'll pay every month. Adjustable rates sometimes start lower, which can mean lower initial payments, but they carry uncertainty down the road. The right choice depends on how long you plan to stay in your home, how comfortable you are with payment fluctuation, and what the current rate environment looks like. I'd love to walk you through both options and help you figure out which structure makes sense for your situation. Let's talk through which loan type aligns with your goals.
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