01A good mortgage decision starts before the rate.
The right path depends on your goals, timing, down payment, cash reserves and comfort with monthly costs. Sergio Abbud helps you sort through the choices and understand what each one means for your household.
02First, the full picture
Buying a home, refinancing a current loan, or building from the ground up all call for a different conversation. Start with what you want your finances to look like after the closing.
03No one-size-fits-all answer
Loan programs have different eligibility rules, documentation and tradeoffs. The useful question is not simply what is available; it is what fits your situation and deserves a closer look.