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Loan Programs
What your loan type really controls
Not all mortgages work the same way, and the type you choose affects more than just your interest rate. Your loan program determines whether your rate stays fixed or adjusts, how much you can borrow relative to your home's value, what kind of property you can buy, and even how flexible you are if life changes. A conventional loan, FHA loan, VA loan, or USDA loan each come with their own rules and benefits. Understanding what fits your situation—your down payment, your credit profile, your timeline, your plans for the home—helps you avoid surprises down the road. If you're not sure which program makes sense for you, or if you're wondering whether a different loan type could have worked better, I'm happy to walk through the options. Reach out if you'd like to talk through which loan program might be the best fit for your goals.
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