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Finding a Lender (That Gets You)

Not all lenders are created equal. We can connect you with trusted professionals who are responsive, competitive, and experienced—even with unique property types or credit challenges.

When interviewing lenders, ask about:

• Responsiveness and communication style
• Interest rates, fees, and loan terms
• Available programs tailored to your credit and goals
• Local decision-makers who understand your market
• Builder incentives if buying a new construction home

Choosing the Right Loan

There are more loan options than ever. Your lender will help you find the best fit, but here’s a quick breakdown of the most common types:

Fixed-Rate Mortgage

• Same payment every month
• Terms range 15–30 years
• Best for long-term holds (7+ years)

Adjustable-Rate Mortgage (ARM)

• Lower starting rate, adjusts over time
• Ideal if you plan to sell or refinance within a few years
• Understand caps, adjustment periods & risks before choosing

Hybrid ARM (3/1, 5/1, 7/1, 10/1)

• Fixed rate for initial years, then adjusts
• Great balance between stability and flexibility