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Loan Program Guide
What your loan program actually means for your wallet
When you're shopping for a mortgage, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, and VA. It can feel like alphabet soup, but here's what matters: your loan program shapes how much you pay each month, how much risk you take on, and what flexibility you have down the road. A fixed-rate loan keeps your payment steady for the life of the loan. An adjustable-rate starts lower but can change. Government-backed programs like FHA and VA have different down payment and credit requirements. There's no one-size-fits-all answer—the right program depends on your timeline, comfort level with payment changes, and what you qualify for. I'd love to walk you through which programs make sense for your situation. Let's talk about which loan program fits your goals.
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