Today’s rates are STILL below the historical average.

Folks in the 90’s thought rates like ours today were a DREAM!

Buy now and refinance later Mortgage rates historical average

And, if rates do drop in the future, refinance to a lower rate and save on your closing costs with Herring Bank’s $1,200 lender credit.

30-year fixed conventional
30-year fixed VA
30-year fixed FHA

A personal experience with a community lender

Buy now and refinance later
You can call us directly

We’re not hidden behind a complicated phone system or round-robin your call through a labyrinth of call-center reps. You get our direct line.

Buy now and refinance later
A helping hand from start to finish

How much can I afford? When do I make an offer? What happens if…? You have questions. We have the answers. We’ll guide you through the entire process.

Buy now and refinance later
We’re local and know the local market

Not all mortgages are a one-size fit’s all. We’re trained and up-to date on the ever changing industry and how those changes relate to your community.

Buy now and refinance later
Buy now and refinance later
Buy now and refinance later