Mortgage Programs for Homebuyers
Understanding your options and choosing the right loan for your goals
When people hear the term mortgage programs, they often assume there’s a single “best” loan—or that qualifying automatically means one fixed option.
In reality, mortgage programs are simply different rule books. Each program has its own guidelines around down payment, credit flexibility, mortgage insurance, and how competitive your offer looks to a seller.
In this workshop replay from my Home Buyer Workshop Series, I walk through the most common mortgage programs available to homebuyers—especially first-time buyers—and explain how loan choice can be used strategically to create affordability and strengthen your offer.
If you’re thinking about buying a home, your credit is one of the first places most lenders will look—and it can have a bigger impact than many people realize. Credit doesn’t just affect whether you qualify. It can influence your interest rate, monthly payment, insurance premiums, and even how much home you can afford.
How to Create Affordability and Get Your Offer Accepted
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