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Loan Programs
What your loan type means for your wallet
Not all mortgages work the same way, and the type you choose shapes your payments, flexibility, and total cost over time. Fixed-rate loans lock in one payment for the life of the loan—predictable and stable. Adjustable-rate mortgages start lower but can change, which matters if you're planning to move or refinance before rates climb. Other programs target specific situations: first-time buyers, veterans, rural borrowers, or those with less-than-perfect credit. The right choice depends on your timeline, risk comfort, and financial picture. I'm here to walk through which program fits your goals and what to expect when you move forward. Let's talk about which loan program makes the most sense for your situation.
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