programs, and every detail you’ll need to secure the right loan. Your Realtor’s recommendation is likely based on years of trusted collaboration and proven success. That said, don’t just default to any "in-house" lender or a name given to you without research. Ask how long they’ve worked with the recommended Loan Originator, what their track record is like, and whether they’ve successfully navigated tricky situations. A second opinion never hurts—and could save you time, stress, and money. If you’re unsure where to start, reach out to me. I have trusted relationships with top Loan Originators who are empathetic to your needs, will care about your financial well-being, and work hard to find the best product for your situation. Explore Your Loan Options Shopping for a mortgage is like shopping for a car—you need to know your options before committing. Different loans are tailored to different situations, and it’s crucial to find the one that fits your financial goals and lifestyle. Here’s a breakdown of the most common types: • Fixed-Rate Mortgages: Offers stability with a consistent interest rate for the loan term (usually 15, 20, or 30 years). Great for buyers who plan to stay in their home long-term. • Adjustable-Rate Mortgages (ARMs): s (ARMs):Starts with a lower interest rate that adjusts periodically based on market conditions. Ideal for buyers who plan to sell or refinance within a few years. • FHA Loans: Backed by the Federal Housing Administration, these are perfect for first-time buyers with lower credit scores or smaller down payments (as low as 3.5%). FHA loans also tend to offer more flexible
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