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Loan Program Basics
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus on the interest rate and forget about the loan program itself. But your choice between a conventional loan, an FHA loan, a VA loan, or other options shapes your entire borrowing experience—from your down payment to your closing costs to what happens if rates drop later. Each program has its own rules, advantages, and trade-offs. Some require less money down. Others offer more flexibility if your credit isn't perfect. Some let you lock in a rate and refinance later without as much hassle. The right choice depends on your situation, not on what your neighbor chose. I'm here to walk you through the options and help you pick the one that actually fits your goals. Let's talk about which loan program makes sense for you.
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