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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 program has different rules about down payments, credit requirements, closing costs, and how your payment behaves over time. A fixed-rate mortgage gives you payment stability; an ARM might offer a lower starting rate but can adjust later. First-time buyers often have access to programs with more flexible down payment options. Understanding which loan type aligns with your situation, timeline, and comfort level is just as important as getting a competitive rate. I'm here to walk you through the pros and cons of each option so you can make a choice that fits your life. Let's talk about which loan program makes the most sense for you — reach out anytime.
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