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Choosing a Loan Program

There isn't a single or simple answer to this question. The right type of mortgage for you depends on many different factors:

  • Your current financial picture
  • How you expect your finances to change
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

For example, a 15-year fixed rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your plans and financial prospects, and your preferences frankly with a mortgage professional.


"I cannot thank Corey enough. He worked incredibly hard to get my wife and I into a brand new home. The two of us never thought we would be homeowners. Corey made that happen. Just a couple weeks before closing I had some questions for Corey. I sent him a text about some water test concerns, he immediately answered my questions. I found out a couple of minutes later that he was on a plane about ready to take off. I think most people would’ve just waited for the flight to be over. He got right back to me. Thank you!" - Ryan
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