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Loan Programs
Not all mortgages are built the same
When you're shopping for a home or thinking about your current loan, the interest rate gets most of the attention. But the type of mortgage you choose matters just as much. Fixed-rate loans, adjustable-rate mortgages, FHA programs, conventional financing — each one has different rules, costs, and long-term implications. What works for your neighbor might not work for you. The right loan depends on how long you plan to stay in your home, your credit profile, your down payment, and your comfort level with your monthly payment. I help borrowers understand these differences so they pick the option that actually fits their situation, not just the one with the lowest rate advertised. Let's talk about which loan program makes the most sense for your goals.
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