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Loan Programs
Your loan type matters more than you think
When you're shopping for a mortgage or thinking about refinancing, it's easy to focus only on the interest rate. But the type of loan you choose—fixed, adjustable, conventional, FHA, VA, or USDA—shapes your entire financial picture. Each program has different rules about down payments, credit requirements, closing costs, and how your payment behaves over time. The right choice for your neighbor might not be the right choice for you. That's why I always spend time understanding your situation before recommending a path forward. If you're curious whether the loan you have now is still the best fit, or if you're exploring options for a new purchase, let's talk through what's actually available to you. Reach out if you'd like to explore which loan program makes sense for your goals.
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