What’s your main goal?

📌 This helps us understand your goal and recommend the best mortgage options for you.

  • 🏡 Buy a home → Looking for your dream home? Let’s get started!

  • 🔄 Refinance my mortgage → Want to lower your payments or change your loan terms?

  • 💰 Get cash out from my home equity → Turn your home equity into cash for other financial goals!

  • 🎖️ VA Loan → Are you a veteran or active-duty service member? Take advantage of your VA benefits to buy or refinance with no down payment and no PMI!

📌 Your timeline helps us understand how soon you may need financing.

  • 🚀 ASAP (Under 30 Days) → I’m ready to buy now and need financing fast!

  • 📅 1-3 Months → I’m actively searching and want to get pre-approved soon.

  • 🏡 3-6 Months → I’m exploring options and want to be ready when the time comes.

  • ⏳ 6+ Months → I’m planning ahead and want to understand my options.

  • 🔍 Just researching → I’m in the early stages but want to learn more.

📌 Enter the city and state where you’re planning to purchase a home.

📌 Even a rough estimate helps us match you with the right loan options.

  • 🏠 Under $150,000

  • 🏠 $150,000 - $250,000

  • 🏠 $250,000 - $400,000

  • 🏠 $400,000 - $600,000

  • 🏠 $600,000+

  • ❓ Not Sure → That’s okay! We can help you figure this out.

📌 Different property types may have different financing options.

  • 🏡 Single-Family Home → A standalone home for one family.

  • 🏘️ Townhouse → A multi-level home sharing walls with neighbors.

  • 🏢 Condo → An apartment-style home within a community.

  • 🏠🏠 Multi-Family → A duplex, triplex, or larger multi-unit property.

  • 🌿 Land / Lot → Purchasing land to build on.

  • ❓ Other

📌 Your down payment can impact loan approval and interest rates. Some programs allow low or even no down payments!

  • ✅ Yes, at least 20% → Great! You may avoid private mortgage insurance (PMI).

  • 💰 Yes, but less than 20% → That’s okay! Many loan programs require less.

  • 🏦 No, I need a low-down-payment option → There are options that require as little as 3.5% down!

  • ❓ Not Sure → We can discuss the best strategy for you!

📌 Refinancing can help you save money or achieve other financial goals. What’s most important to you?

  • 💰 Lower my monthly payment

  • ⏳ Shorten my loan term (pay it off faster)

  • 🏦 Get cash out

  • ❓ Other

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📌 Even a rough estimate helps us determine the best refinance or cash-out option for you.

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📌 This helps us calculate your available equity.

📌 Your credit score helps determine your loan options and interest rates. If you're unsure, a best guess is fine!

  • 🌟 740+ (Excellent) → Best rates & loan options!

  • ✅ 700-739 (Good) → Very solid credit profile!

  • 👍 660-699 (Fair) → Qualifies for most loan types.

  • ⚠️ 620-659 (Below Average) → Might need special loan programs.

  • ❌ Below 520 → We can explore options to help improve this!

  • ❓ Not Sure → We can help you check!

📌 We can answer your questions and help you take the next step!

  • 📞 Yes, call me ASAP → I’m ready to talk now!

  • 💬 Yes, but I prefer a text/email first → I’d like more info before a call.

  • 🔍 No, I’m just researching for now → That’s okay! We’ll stay in touch with helpful updates.

We’ll never spam you. Your contact info is used solely to connect you with a Banker to assist you and answer any questions you may have about the process.

Only used for scheduling a quick call — no robocalls. Our team usually reaches out the same business day or the following business day.
Used to send your custom mortgage quote and a short intro to our team.

I agree to the Privacy Policy provided by Herring Bank. By providing my phone number, I agree to receive text messages from Herring Bank.

Who will reach out?

Rex Dobrinski

Sr. Mortgage Loan Originator NMLS # 620952

Meet Rex Dobrinski – Your Mortgage Specialist

With over 25 years of experience in the mortgage industry, Rex brings deep knowledge across every corner of the business — from loan origination and operations to both wholesale and retail lending.

He’s helped employees from Fortune 1000 companies navigate high-stakes relocations with tight timelines and understands how to make the process smooth, even under pressure.

Rex has also held leadership roles at both privately owned firms and major national lenders. When Rex reaches out, you’re not just getting a call — you’re getting guidance from someone who’s helped thousands of homeowners just like you.

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