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Loan Programs
Why your loan type matters more than you think
Most people focus on interest rates when shopping for a mortgage, but the loan program itself—whether it's conventional, FHA, VA, or USDA—shapes your entire borrowing experience. Each program has different rules about down payments, credit requirements, and what you can borrow against. The right program for you depends on your situation: your credit score, how much you can put down, the type of property, and your long-term plans. I've seen borrowers save thousands by matching themselves to the program that actually fits, rather than forcing themselves into whatever sounds cheapest. It's worth a real conversation about which path makes sense for where you are right now. Let's talk about which loan program is the best fit for your goals.
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