Loan Types

Walking into a lender’s office can feel like walking into a calculus exam you didn't study for. Adjustable rates? FHA? Points? Let me be your translator. Think of loans like shoes… you need the right pair for the occasion.

The Conventional Loan (The Classic Pump) This is the standard. You usually need a decent credit score and a solid down payment (though the "20% down" rule is a total myth, by the way). It’s reliable, it works for most people, and it never goes out of style.

The FHA Loan (The Comfortable Sneaker) Got a shorter credit history or a smaller down payment saved up? FHA is your friend. It’s designed to help people get into homes who might not fit the strict "perfect borrower" box. It’s flexible and forgiving.

The VA Loan (The Combat Boot) If you served, thank you. Also, you have access to the best loan product on the planet. $0 down, no mortgage insurance. If you qualify for this, use it. It is a superpower.

Don't stress the acronyms. I have a list of lenders who are actually nice humans and will explain this without making you feel small.