|
Loan Programs
Not all mortgages work the same way
When you're shopping for a mortgage, the interest rate gets most of the attention. But the loan program itself—whether it's a fixed-rate, adjustable-rate, FHA, conventional, or something else—shapes how your payment works and what happens over time. Different programs have different rules about down payments, credit requirements, and long-term costs. The right choice depends on your timeline, how stable your income is, and how long you plan to stay in your home. I've seen borrowers save real money just by picking the program that actually fits their situation instead of chasing the lowest rate alone. Let's talk through what makes sense for you. I'd be happy to walk you through which programs might work best for your goals.
|
