Loan options

Conventional Loans

Texas conventional home loans are a popular choice for buyers looking for flexible terms and competitive rates. With down payments starting as low as 5%, conventional loans offer lower mortgage insurance costs and are ideal for those with good credit. Whether you’re purchasing a primary home, second home, or investment property, our conventional loans provide a great option for financing your home.

Loan options

FHA Loans

Herring Bank’s FHA home loans are designed to make homeownership more accessible, especially for first-time buyers and those with limited down payments. With as little as 3.5% down, FHA loans offer flexible credit requirements and lower interest rates. These loans are a great option for buyers who may not qualify for conventional loans, helping you get into your new home with less upfront cost.

Loan options

VA Loans

Herring Bank is a trusted VA mortgage lender in Texas, providing low rates and minimal fees. With VA loans, eligible veterans can enjoy 0% down payment and up to 100% financing. We are dedicated to helping Texas veterans fully utilize their benefits. To apply, you’ll need a Certificate of Eligibility or a Statement of Service.

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Loan options

Mortgage Refinance

Herring Bank offers mortgage refinancing options in Texas designed to help you lower your interest rate, reduce monthly payments, or access home equity. Whether you’re looking to shorten your loan term or switch from an adjustable to a fixed-rate mortgage, we can help you find the best solution. Our refinancing options are tailored to meet your financial goals and can save you money over the life of your loan. Reach out to explore your refinancing options and start the process today.

Loan options

Jumbo Loans

Herring Bank provides Jumbo Loans for homebuyers in Texas looking to finance high-value properties that exceed the conventional loan limits. With flexible terms and competitive rates, our Jumbo Loan options are ideal for purchasing luxury homes or refinancing large mortgages. Whether you’re buying a primary residence, second home, or investment property, we offer personalized solutions to meet your needs. Contact us today to learn more about our Jumbo Loan offerings and how we can help you secure the right financing.

Loan options

USDA Loans

Herring Bank offers USDA loans for homebuyers in rural areas of Texas, providing affordable financing with 0% down payment options. Backed by the U.S. Department of Agriculture, USDA loans are designed to help low- and moderate-income families achieve homeownership with competitive interest rates and flexible terms. These loans are perfect for those looking to buy in eligible rural areas without the need for a large down payment. Contact us to find out if a USDA loan is the right fit for your home buying journey.

Meet our Mortgage Team

Our Home loan experts will guide you through every step of the process, from pre-approval to closing.