All mortgage programs can be divided into categories. Conventional and government loans and may be classified as fixed rate or adjustable rate loans.

Loan programs come in many forms and come from many sources

There isn't a single or simple answer to the question what is the best program?. 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

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