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Loan Programs
Not all mortgages are created equal
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention. But the loan program itself—the type of mortgage you choose—is just as important. Fixed-rate mortgages, adjustable-rate options, FHA, VA, conventional loans, and portfolio products each come with different rules, costs, and long-term implications. What works for your neighbor might not work for you. The right program depends on your credit, your down payment, how long you plan to stay, and your comfort with risk. I'd love to walk you through which programs might fit your situation best. Let's talk about which loan program makes sense for your goals.
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