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Mortgage Basics
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—fixed-rate, adjustable-rate, FHA, conventional, or VA—shapes your entire borrowing experience. Each has different rules about what you pay upfront, how your payments work over time, and what flexibility you have later. A fixed-rate mortgage gives you payment stability. An adjustable-rate loan might start lower but can change. Government-backed programs like FHA loans help borrowers with smaller down payments qualify. Understanding which loan type fits your situation, timeline, and comfort level is just as important as chasing the lowest rate. I'd be happy to walk you through the pros and cons of each program and help you find the right fit. Let's talk about which loan program makes sense for your goals.
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