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Loan Programs
Not all mortgages work the same way
If you've been shopping around or talking to lenders, you may have noticed they're offering different loan types—fixed-rate, adjustable-rate, government-backed programs, portfolio loans. Each one works differently, has different rules about down payments and credit, and fits different situations. A program that's perfect for one borrower might not make sense for another. The program you choose early on shapes your monthly payment, how much you can borrow, and what happens down the road. It's worth understanding which type fits your real situation, not just which one sounds cheapest right now. I'm happy to walk through the options with you and explain how each one would actually work for your goals. Let's talk through which program might be the right fit for you.
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