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Loan Programs
Not all mortgages work the same way
One thing I've learned talking with borrowers is that people often think a mortgage is a mortgage—but that's not quite right. Different loan programs come with different rules about down payments, credit requirements, flexibility, and long-term costs. A conventional loan works differently than an FHA loan, which works differently than a VA or USDA program. Your situation—where you're buying, what you're putting down, your credit history, your timeline—should guide which program actually makes sense for you. The right choice can mean real savings and less stress down the line. If you're not sure which program fits your life, I'd love to walk through your options and help you understand what each one means for you. Let's talk about which loan program makes the most sense for your situation.
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