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

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

  • 🔄 Refinance my mortgageWant to lower your payments or change your loan terms?

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

📌 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 MonthsI’m actively searching and want to get pre-approved soon.

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

  • 6+ MonthsI’m planning ahead and want to understand my options.

  • 🔍 Just researchingI’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 SureThat’s okay! We can help you figure this out.

📌 Different property types may have different financing options.

  • 🏡 Single-Family HomeA standalone home for one family.

  • 🏘️ TownhouseA multi-level home sharing walls with neighbors.

  • 🏢 CondoAn apartment-style home within a community.

  • 🏠🏠 Multi-FamilyA duplex, triplex, or larger multi-unit property.

  • 🌿 Land / LotPurchasing 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 optionThere are options that require as little as 3.5% down!

  • Not SureWe 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

$

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

$

📌 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 620We can explore options to help improve this!

  • Not SureWe can help you check!

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

  • 📞 Yes, call me ASAPI’m ready to talk now!

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

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

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