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Loan Program Strategy
Why your neighbor's mortgage might not work for you
One of the biggest mistakes I see is borrowers choosing a loan type based on what worked for someone else—a friend, family member, or coworker. The truth is, the right program depends on your specific situation: how long you plan to stay in the home, your risk tolerance, your income stability, and your financial goals over the next few years. A 15-year fixed might be perfect for one person and a stretch for another. An adjustable-rate loan can be smart if you know you'll move or refinance, but risky if you want to set it and forget it. I'd love to walk you through what actually makes sense for your circumstances, not someone else's. Let's talk about which loan type fits your plan.
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