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Loan Programs
Not all mortgages work the same way
If you've been shopping around or talking to friends about their mortgages, you've probably heard different names thrown around—conventional, FHA, VA, USDA. They're not just marketing labels. Each loan type has its own rules about down payments, credit requirements, who qualifies, and how the process works. What works beautifully for your neighbor might not be the best fit for you, and vice versa. The right program can mean the difference between getting approved or denied, or between a payment you can truly afford and one that stretches your budget. That's why I always start by understanding your specific situation—your timeline, your down payment amount, your credit history, your plans for the home. Once I know what you're working with, I can point you toward the program that actually makes sense for your life. Let's talk about which loan program might work best for your goals.
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