Today’s rates are STILL below the historical average.

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

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 | Herring Bank
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 | Herring Bank
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 | Herring Bank
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 | Herring Bank
Buy now and refinance later | Herring Bank
Buy now and refinance later | Herring Bank