Generated by All in One SEO Pro v4.9.9, this is an llms.txt file, used by LLMs to index the site.

# Herring Bank

A partner in funding your life and business - your community bank!

## Sitemaps

- [XML Sitemap](https://www.herringbank.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How to Start an ATM Business](https://www.herringbank.com/learn/how-to-start-an-atm-business/) - Thinking about starting an ATM business? Learn how ATM entrepreneurs make money, what startup costs look like, how to choose profitable locations, and how to stay compliant.
- [Credit Card Processing for Dental Practices: What to Know Before You Switch](https://www.herringbank.com/learn/credit-card-processing-for-dental-practices/) - Credit Card Processing for Dental Practices: What to Know Before You Switch | Learn how to sell your house as-is in Texas without making costly repairs. Discover legal requirements, pricing strategies, and financing options for buyers.
- [How to Sell a House As-Is When It Needs Repairs in Texas: A Complete Guide for Homeowners](https://www.herringbank.com/learn/how-to-sell-a-house-as-is-when-it-needs-repairs-in-texas-a-complete-guide-for-homeowners/) - How to Sell a House As-Is When It Needs Repairs in Texas: A Complete Guide for Homeowners | Learn how to sell your house as-is in Texas without making costly repairs. Discover legal requirements, pricing strategies, and financing options for buyers.
- [Today's Mortgage Rates in Austin, Texas](https://www.herringbank.com/learn/todays-mortgage-rates-in-austin-texas/) - Today’s Mortgage Rates in Austin, Texas | Stay updated with the latest mortgage rates in Austin. Herring Bank offers personalized, neighborly service to help you secure the best financing options.
- [Explore Today's Competitive Mortgage Rates in Dallas, Texas with Herring Bank](https://www.herringbank.com/learn/todays-competitive-mortgage-rates-in-dallas-texas/) - Explore Today’s Competitive Mortgage Rates in Dallas, Texas with Herring Bank | ** Discover Herring Bank's mortgage rates in Dallas, personalized service, and local expertise tailored to your financial journey.
- [How to Get a VA Loan in Texas](https://www.herringbank.com/learn/how-to-get-a-va-loan-in-texas/) - Learn how to get a VA loan in Texas with our step-by-step guide. Discover eligibility requirements, benefits, and the application process to secure your dream home.
- [Current Mortgage Rates in San Antonio, Texas](https://www.herringbank.com/learn/current-mortgage-rates-in-san-antonio-texas/) - Current Mortgage Rates in San Antonio, Texas | ** Discover the latest mortgage rates in San Antonio, Texas, and learn how Herring Bank can help you achieve your homeownership dreams.
- [What Home Loan Can You Get with a 680 Credit Score in Texas?](https://www.herringbank.com/learn/what-home-loan-can-you-get-with-a-680-credit-score-texas/) - What Home Loan Can You Get with a 680 Credit Score in Texas? | When you're thinking about buying a home in Texas, your credit score plays a big role in determining your options. A 680 credit score is considered good, and it opens the door to a variety of home loan opportunities. But understanding which loans you qualify for and what terms you can expect is key to making a smart financial decision. With a 680 credit score, you're in a solid position to explore
- [Pros and Cons of Texas Cash-Out Refinance: An Overview](https://www.herringbank.com/dfw/texas-cash-out-refinance/) - Pros and Cons of Texas Cash-Out Refinance: An Overview | Are you a Texas homeowner looking to tap into your home's equity? If so, you're in the right place. I'm here to give you the lowdown on a popular financial option known as a Texas cash out refinance. This tool can provide you with the extra cash you need for a variety of purposes, from home improvements to debt consolidation. In the heart of the Lone Star State, we do things a bit differently
- [What Is an FHA Loan: Requirements, Benefits, and How to Qualify](https://www.herringbank.com/learn/what-is-an-fha-loan/) - Learn how to qualify for an FHA loan in Texas with our step-by-step guide. Discover minimum credit score requirements, down payment options, and more.
- [How to Buy a House with Bad Credit: Tips and Options for Success](https://www.herringbank.com/learn/how-to-buy-a-house-with-bad-credit/) - Learn how to enhance your eligibility through credit assessment, down payments, and debt management. Empower yourself with knowledge and take the first step towards your dream home today!
- [FHA Loans for Borrowers with Bad Credit](https://www.herringbank.com/learn/fha-loans-for-borrowers-with-bad-credit/) - FHA Loans for Borrowers with Bad Credit | HomeLearnFHA Loans for Borrowers with Bad CreditFHA Loans for Borrowers with Bad CreditWritten by: Herring Bank Mortgage TeamJuly 7, 20264-MINUTE-READApply to buy a home Unlock Homeownership with an FHA Loan—Even with Low Credit Scores Federal Housing Administration (FHA) loans are specifically designed to help buyers and homeowners with lower credit scores or limited savings purchase
- [The Pros and Cons of FHA Loans for Texas Homebuyers: What You Need to Know](https://www.herringbank.com/learn/pros-and-cons-of-fha-loans-for-texas-homebuyers/) - The Pros and Cons of FHA Loans for Texas Homebuyers: What You Need to Know | HomeLearnThe Pros and Cons of FHA Loans for Texas Homebuyers: What You Need to KnowPros and Cons of FHA Loans for Texas Homebuyers: What You Need to KnowWritten by: Herring Bank Mortgage TeamJuly 7, 20267-MINUTE-READApply Online in Minutes Buying a home in Texas is an exciting journey, but handling the financing options can feel overwhelming.
- [The new Herring Bank website is here](https://www.herringbank.com/newsroom/new-herring-bank-website-is-here/) - The new Herring Bank website is here | The what, for who, and why…The new Herring Bank website is here! A lot has changed with the new website… all to serve you better.You’ll find the new website to be concise, efficient, but robust enough for you to go as deep as you need to go, without forcing you to endlessly dig to solve
- [What Are the Requirements for a HELOC?](https://www.herringbank.com/learn/home-buying/what-are-the-requirements-for-a-heloc/) - What Are the Requirements for a HELOC? Find out the qualifications, terms, and conditions for a home equity line of credit in our comprehensive guide.
- [Earnest Money vs Down Payment: What’s the Difference?](https://www.herringbank.com/learn/home-buying/earnest-money-vs-down-payment/) - Confused about Earnest Money vs Down Payment? Understand the difference and start your mortgage application today. Call +1-214-225-3166 or visit https://www.herringbank.com/mortgage/mortgage-application/get-started/
- [What Is a HELOC and How Does It Work in Texas? A Complete Guide for Homeowners](https://www.herringbank.com/learn/heloc-texas-guide/) - Unlock the power of your home’s equity with a HELOC in Texas. Learn how Home Equity Lines of Credit work, key benefits, and unique Texas rules every homeowner should know.
- [The Basics of Qualifying for a Mortgage Loan: Tips to Secure Your Home Financing](https://www.herringbank.com/learn/home-buying/the-basics-of-qualifying-for-a-mortgage-loan/) - Discover the basics of qualifying for a mortgage loan. Learn key tips on credit, income, and down payments to secure home financing with help from Herring Bank.
- [How to Get a Mortgage in Texas Step by Step: A Complete Guide for Homebuyers](https://www.herringbank.com/learn/home-buying/how-to-get-a-mortgage-texas-step-by-step/) - Learn how to get a mortgage in Texas step by step. This guide covers FHA, VA, fixed vs. ARM loans, plus expert tips from Herring Bank's local lending team.
- [Are You Making These 10 Mistakes First Time Texas Homebuyers Should Avoid?](https://www.herringbank.com/learn/home-buying/10-mistakes-first-time-texas-homebuyers-should-avoid/) - First-time homebuyer in Texas? Learn the top 10 mistakes to avoid so you can save money, reduce stress, and close with confidence.
- [How Past-Due Payment Plans Are Saving Colleges Money and Supporting Student Re- Enrollment](https://www.herringbank.com/newsroom/campus-solutions/how-past-due-payment-plans-are-saving-colleges-money-and-supporting-student-re-enrollment/) - Learn how colleges and universities are using Past-Due Payment Plans to recover unpaid tuition, reduce administrative costs, and improve student retention in 2025.
- [2025 Texas conforming and FHA loan limits by county](https://www.herringbank.com/learn/home-buying/texas-jumbo-loan-limits-by-county/) - 2025 Texas conforming and FHA loan limits by county | HomeLearnHome Buying2025 Texas conforming and FHA loan limits by county2025 Texas conforming and FHA loan limits by county Apply to buy a home Apply to refinance Handling the housing market in Texas can be challenging, especially with rising home prices and shifting loan limits. For 2025, the conforming loan limit in Texas has increased to
- [Best Neighborhoods in Houston for Veterans with a VA: Top Picks for Affordability and Support](https://www.herringbank.com/learn/home-buying/best-neighborhoods-in-houston-for-veterans-with-a-va/) - Explore the best neighborhoods in Houston for veterans using a VA loan. Find affordable, veteran-friendly communities with great amenities and support services.
- [Who Pays VA Loan Closing Costs and How to Reduce Them? Expert Tips for Buyers](https://www.herringbank.com/learn/va-loan-closing-costs-who-pays-and-how-to-reduce/) - Who pays VA loan closing costs? Learn how to reduce them with expert tips on seller concessions, lender credits, and VA fee limits to save thousands.
- [VA Loan vs Conventional Loan: Which Is Better for Veterans?](https://www.herringbank.com/learn/va-loan-vs-conventional-loan-which-is-better-for-veterans/) - VA Loan vs Conventional Loan: Which Is Better for Veterans? | HomeLearnMortgage BasicsVA Loan vs Conventional Loan: Which Is Better for Veterans?VA Loan vs Conventional Loan: Which Is Better for Veterans? Apply to buy a home Apply to refinance Choosing between a VA loan and a conventional loan can feel overwhelming, especially when you’re trying to make the best financial decision as a veteran. Both options
- [VA Loan Requirements in 2025: What You Need to Qualify for Your Dream Home](https://www.herringbank.com/learn/va-loan-requirements-in-2025-what-you-need-to-qualify/) - VA Loan Requirements in 2025: What You Need to Qualify for Your Dream Home | HomeLearnMortgage BasicsVA Loan Requirements in 2025: What You Need to Qualify for Your Dream HomeVA Loan Requirements in 2025: What You Need to Qualify for Your Dream Home Apply to buy a home Apply to refinance Understanding VA loans can feel overwhelming, but it’s one of the most valuable benefits for those who’ve served our
- [Understanding the Jumbo Loan Limit Texas 2024](https://www.herringbank.com/learn/jumbo-loan-limit-texas-2024/) - Discover the 2024 jumbo loan limit in Texas, ranging from $766,550 to $1,149,825 in high-cost areas.
- [Credit score needed to buy a home in Texas?](https://www.herringbank.com/learn/credit-score-to-buy-a-house-in-texas/) - Learn the credit score needed to buy a home in Texas, explore FHA and VA loan options, and get tips on improving your credit for better mortgage terms.
- [FHA vs. Conventional Loans: Which Is Right for Texas Homebuyers?](https://www.herringbank.com/learn/fha-vs-conventional-loans-for-texas-homebuyers/) - Confused about FHA vs. conventional loans in Texas? Compare requirements, benefits, and costs to find the best mortgage option for your home purchase.
- [Typical Closing Costs in Texas for Buyers and Sellers](https://www.herringbank.com/learn/typical-closing-costs-in-texas-for-buyers-and-sellers/) - Closing costs typically range from 2% to 6%, meaning buyers and sellers can expect to pay between $7,086 and $21,258, with costs shared by both parties on average.
- [What Is Home Equity in Texas? Understanding Its Value, Benefits, and Legal Framework](https://www.herringbank.com/learn/what-is-home-equity-in-texas-understanding-its-value-benefits-and-legal-framework/) - What Is Home Equity in Texas? Understanding Its Value, Benefits, and Legal Framework | Buying a home is a major financial decision, and understanding how much income you need is a crucial first step. In Texas, where housing prices can vary widely depending on the city and neighborhood, figuring out what you can afford is key to making a smart investment. Whether you're eyeing a $200k starter home or dreaming of a $500k property, it's important to know what kind of income will make t
- [What Happens If I Pay 2 Extra Mortgage Payments a Year in Texas? Benefits & Key Considerations](https://www.herringbank.com/learn/what-happens-if-i-pay-2-extra-mortgage-payments-a-year-texas/) - What Happens If I Pay 2 Extra Mortgage Payments a Year in Texas? Benefits & Key Considerations | Paying off a mortgage can feel like a marathon, but what if there was a way to speed things up? I've often wondered how making extra payments could impact my loan, especially here in Texas. Adding just two extra payments a year might seem small, but it can make a big difference over time. By chipping away at the principal faster, you could save thousands in interest and shave years off your repaym
- [What Income Do I Need to Afford a $600K House in Texas? Complete Guide](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-600k-house-texas/) - What Income Do I Need to Afford a $600K House in Texas? Complete Guide | Buying a home is one of the biggest financial decisions most of us will ever make, and figuring out how much income you need to afford a $600,000 house in Texas can feel overwhelming. Housing prices, interest rates, and property taxes all play a role in determining what’s realistic for your budget. It’s not just about the sticker price—it’s about monthly payments and long-term affordability. I’ve
- [What Income Do I Need to Afford a $300K House in Texas? Key Tips and Costs Explained](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-300k-house-texas/) - What Income Do I Need to Afford a $300K House in Texas? Key Tips and Costs Explained | Buying a home is one of the biggest financial decisions you'll ever make, and understanding how much income you need is crucial—especially in a state like Texas, where housing markets can vary widely. If you're eyeing a $300,000 home, it’s natural to wonder whether your current earnings can comfortably support that dream.
- [How Much Is the Mortgage on a 500k House in Texas? Complete Breakdown & Costs](https://www.herringbank.com/learn/how-much-is-the-mortgage-on-a-500k-house-texas/) - How Much Is the Mortgage on a 500k House in Texas? Complete Breakdown & Costs | Buying a $500,000 house in Texas is a big decision, and understanding the mortgage costs is key to planning your budget. With factors like interest rates, down payments, and loan terms playing a role, it's easy to feel overwhelmed. But breaking it down can help you get a clearer picture of what to expect. I’ve found that the cost of a mortgage isn’t just about the loan amount—it’s also influenced
- [What Income Do I Need to Afford a $200K House in Texas?](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-200k-house-texas/) - What Income Do I Need to Afford a $200K House in Texas? | Buying a home is one of the biggest financial decisions you'll ever make, and if you're eyeing a $200,000 house in Texas, you're probably wondering how much income you'll need to make it happen. Housing costs can vary widely depending on factors like property taxes, insurance, and mortgage rates, so understanding the numbers is key. I know it can feel overwhelming to figure out if your income alig
- [Cash Out Refinance Credit Score Texas: What You Need to Know to Qualify & Save Big](https://www.herringbank.com/learn/cash-out-refinance-credit-score-texas/) - Cash Out Refinance Credit Score Texas: What You Need to Know to Qualify & Save Big | If you're a homeowner in Texas looking to tap into your home's equity, a cash-out refinance might be the perfect solution. It's a popular way to access funds for major expenses like home improvements, debt consolidation, or even unexpected emergencies. But before diving in, understanding how your credit score impacts this process is crucial. Your credit score plays a key role in determining your e
- [FHA Loans PMI Texas: What Homebuyers Need to Know About Costs and Benefits](https://www.herringbank.com/learn/fha-loans-pmi-texas/) - FHA Loans PMI Texas: What Homebuyers Need to Know About Costs and Benefits | Buying a home in Texas can feel like a dream come true, but navigating the world of mortgages can be overwhelming. If you're considering an FHA loan, you're not alone—it's a popular choice for first-time buyers and those with limited down payments. However, one thing that often catches people off guard is the required PMI (Private Mortgage Insurance). PMI can add to your monthly costs, and underst
- [How Much House Can I Afford with a $200K Salary in Texas? Budgeting Tips & Insights](https://www.herringbank.com/learn/how-much-house-can-i-afford-with-200k-salary-texas/) - How Much House Can I Afford with a $200K Salary in Texas? Budgeting Tips & Insights | Buying a home is one of the biggest financial decisions you'll ever make, and your salary plays a huge role in determining what you can afford. If you're earning $200,000 a year and thinking about purchasing a house in Texas, you're probably wondering how far that income can take you in today’s housing market. Texas offers a unique blend of affordability and lifestyle, but factors like property ta
- [Mortgagee Clause Texas: What Homeowners and Lenders Need to Know](https://www.herringbank.com/learn/mortgagee-clause-texas/) - Mortgagee Clause Texas: What Homeowners and Lenders Need to Know | Navigating the world of homeownership in Texas can feel overwhelming, especially when it comes to understanding all the legal and financial terms. One term that often comes up is the "mortgagee clause." If you're like me, you want to know exactly what it means and why it matters for your property and insurance. In Texas, the mortgagee clause plays a critical role in protecting both lenders and hom
- [How Much Is the Mortgage on a $400K House in Texas? Complete Breakdown & Monthly Costs](https://www.herringbank.com/learn/how-much-is-the-mortgage-on-a-400k-house-texas/) - How Much Is the Mortgage on a $400K House in Texas? Complete Breakdown & Monthly Costs | Buying a home is a huge milestone, but figuring out the mortgage costs can feel overwhelming. If you're eyeing a $400,000 house in Texas, you're probably wondering how much you'll actually pay each month. The answer depends on factors like your down payment, interest rate, and loan term. Texas offers some unique advantages for homeowners, like no state income tax and relatively affordable property
- [How Do You Refinance a Mortgage in Texas](https://www.herringbank.com/learn/how-do-you-refinance-a-mortgage-in-texas/) - Learn how to refinance a mortgage in Texas with step-by-step guidance. Discover the benefits, requirements, and options to lower your or monthly payments.
- [What Is a Bridge Loan? How It Works & When to Use One](https://www.herringbank.com/learn/bridge-loan/) - Learn how bridge loans work, their benefits, and when to use one for buying a new home before selling your current property. Explore financing options today!
- [Best Mortgage Lenders in Fort Worth](https://www.herringbank.com/learn/best-mortgage-lenders-in-fort-worth/) - Looking for the best mortgage lenders in Fort Worth? Compare top lenders, loan options, and key factors to consider when choosing the right home loan provider.
- [VA Loans in Fort Worth: A Guide for Military Homebuyers](https://www.herringbank.com/learn/va-loans-in-fort-worth/) - Learn how VA loans help veterans and active-duty military buy homes in Fort Worth with zero down payment, no PMI, and low interest rates. Get started today!
- [Best Fort Worth Neighborhoods for FHA Buyers](https://www.herringbank.com/learn/best-fort-worth-neighborhoods-for-fha-buyers/) - Looking for an affordable home in Fort Worth? Discover the best neighborhoods for FHA buyers and find the perfect place to call home in Texas!
- [Can You Buy a Fixer-Upper with an FHA Loan in Texas?](https://www.herringbank.com/learn/can-you-buy-a-fixer-upper-with-an-fha-loan-in-texas/) - Discover how FHA 203(k) loans can help you buy and renovate a fixer-upper in Texas. Learn about eligibility, benefits, and the loan process today!
- [Unlocking Your Home's Equity: A Complete Guide to Cash Out Refinance Benefits](https://www.herringbank.com/learn/cash-out-refinance/) - "Discover everything you need to know about cash-out refinancing in our complete guide. Learn how to access your home’s equity, lower your interest rates, and maximize your financial options with Herring Bank.
- [What Are the Benefits of Using Direct Deposit](https://www.herringbank.com/learn/what-are-the-benefits-of-using-direct-deposit/) - Discover the advantages of using direct deposit, from faster access to your paycheck to enhanced security and convenience.
- [Texas Land Loans](https://www.herringbank.com/learn/texas-land-loans/) - Explore how to secure Texas land loans with our comprehensive guide. Learn about eligibility, loan types, interest rates, and tips for purchasing land in Texas.
- [Texas Ranch Loans](https://www.herringbank.com/learn/texas-ranch-loans/) - Explore Texas ranch loans with flexible terms and competitive rates for land, livestock, and equipment. Learn the loan process and key tips for financing.
- [Home Warranty Cost](https://www.herringbank.com/learn/home-warranty-cost/) - Learn about home warranty costs, including monthly premiums and service fees, to protect your home systems and appliances affordably.
- [Letter of Explanation](https://www.herringbank.com/learn/what-is-a-letter-of-explanation/) - Learn how to write a clear and concise Letter of Explanation for your mortgage application. Discover common reasons lenders request them and what to include.
- [Buying vs Building a Home](https://www.herringbank.com/learn/buying-vs-building-a-home/) - Deciding between buying or building a home? Learn the pros and cons of each option, including costs, timelines, and customization.
- [What Is an Escrow Account In Mortgage?](https://www.herringbank.com/learn/what-is-an-escrow-account/) - Learn what an escrow account is in a mortgage, how it manages your property taxes and homeowner's insurance, and why lenders require it.
- [How to Open a Merchant Account](https://www.herringbank.com/learn/how-to-open-a-merchant-account/) - Learn how to open a merchant account with this comprehensive guide. From registering your business to selecting the right provider, get step-by-step advice.
- [What is a Home Equity Loan and How does it work?](https://www.herringbank.com/learn/what-is-a-home-equity-loan/) - Learn how home equity loans work, how to unlock the value in your home, and the benefits and risks involved. Explore key loan to make an informed decision.
- [Physician Loans](https://www.herringbank.com/learn/physician-loans/) - Discover specialized mortgage options for doctors with physician loans. Learn how these loans offer low down payments, no PMI, and flexible DTI ratios.
- [Preparation for Colorado Mortgage Approval: What You Need to Know](https://www.herringbank.com/learn/how-to-get-a-mortgage-in-colorado/) - Preparation for Colorado Mortgage Approval: What You Need to Know | HomeLearnPreparation for Colorado Mortgage Approval: What You Need to KnowPreparation for Colorado Mortgage Approval: What You Need to KnowWritten by: Herring Bank Mortgage TeamJuly 7, 202612-MINUTE-READ Table Of Contents: Preparation for Colorado Mortgage Approval: What You Need to Know Understand the Specific Mortgage Requirements in Colorado Improve Your Credit Score to Enhance Approval Chances Gather
- [Understanding Hard Money Loans: Definitions, Lenders, and Key Considerations](https://www.herringbank.com/learn/hard-money-loans/) - Understanding Hard Money Loans: Definitions, Lenders, and Key Considerations | HomeLearnUnderstanding Hard Money Loans: Definitions, Lenders, and Key ConsiderationsUnderstanding Hard Money Loans: Definitions, Lenders, and Key ConsiderationsWritten by: Herring Bank Mortgage TeamJuly 7, 202615-MINUTE-READ Navigating the world of real estate investments can lead many to consider the option of hard money loans. Often viewed as a quintessential tool for fast financing, especially when traditional loans
- [Your Guide to Securing a Mortgage in Austin, Texas](https://www.herringbank.com/learn/how-to-get-a-mortgage-in-austin-texas/) - Your Guide to Securing a Mortgage in Austin, Texas | HomeLearnYour Guide to Securing a Mortgage in Austin, TexasYour Guide to Securing a Mortgage in Austin, TexasWritten by: Herring Bank Mortgage TeamJuly 7, 202612-MINUTE-READ Are you contemplating purchasing property in Austin, faced with the task of navigating the mortgage maze? Worry not. This concise guide demystifies the process, from understanding the local real estate climate
- [Finding the Right Mortgage Lender in Odessa, TX](https://www.herringbank.com/learn/how-to-get-a-mortgage-in-odessa-texas/) - Finding the Right Mortgage Lender in Odessa, TX | HomeLearnFinding the Right Mortgage Lender in Odessa, TXFinding the Right Mortgage Lender in Odessa, TXWritten by: Herring Bank Mortgage TeamJuly 7, 202613-MINUTE-READ Securing the right mortgage can be a defining factor in the success of your property investment in Odessa, TX. The mortgage landscape boasts a myriad of lenders, each offering a unique mix of
- [How to Buy a House With Bad Credit: Understanding Your Options](https://www.herringbank.com/learn/how-to-buy-house-with-bad-credit/) - How to Buy a House With Bad Credit: Understanding Your Options | HomeLearnHow to Buy a House With Bad Credit: Understanding Your OptionsHow to Buy a House With Bad Credit: Understanding Your OptionsWritten by: Herring Bank Mortgage TeamJuly 7, 202616-MINUTE-READ Struggling with a less-than-ideal credit score can often feel like a roadblock to achieving the dream of home ownership. Given the pivotal role that personal finance plays
- [Weekly Market Insight – February 23, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-23-2024/) - Weekly Market Insight – February 23, 2024 | Over this past week, yields modestly declined. The yield on the U.S. 10‑year Treasury closed at 4.26%, which was below its yield of 4.33% a week ago.
- [Weekly Market Insight – March 1, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-1-2024/) - Weekly Market Insight – March 1, 2024 | Equities surge on strong NVIDIA earnings. Inflation picks up as core PCE hits 0.4% monthly increase. Rate cut odds fade as data challenges Fed's easing plans.
- [Weekly Market Insight – March 15, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-15-2024/) - Weekly Market Insight – March 15, 2024 | Equities continued climbing to new records, though small caps lagged. Inflation persists above Fed's 2% target despite rate hikes. Jobs data strong with higher payrolls/openings.
- [Weekly Market Insight – March 8, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-8-2024/) - Weekly Market Insight – March 8, 2024 | Bond markets rallied with equities as inflation data calmed rate fears. Stocks powered higher led by value/smaller caps. Jobs data mixed with quits rate down but openings elevated.
- [Monthly Market Overview – March 2024](https://www.herringbank.com/wealth-management-resources/monthly-market-overview-march-2024/) - Monthly Market Overview – March 2024 | Each month we share graphs around five topics that illustrate the current state of the markets, with brief commentary that can be absorbed in five minutes or less.
- [Weekly Market Insight – March 22, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-22-2024/) - Weekly Market Insight – March 22, 2024 | Equities are starting to look like Secretariat at the Belmont Stakes. All major indices closed higher on the week and at all-time highs.
- [Weekly Market Insight – February 16, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-16-2024/) - Weekly Market Insight – February 16, 2024 | February 16, 2024Weekly Market Insight Earnings Season Showing Strong ResultsEquities were up marginally for the week despite falling after reaching record highs. Investors continue to adopt a “risk-on” mentality despite lofty price-to-earnings (P/E) valuations as corporate earnings appear to be generally strong. The S&P 500 finished up 0.1%, while the NASDAQ rose 0.6%. Small caps
- [Monthly Market Overview – February 2024](https://www.herringbank.com/wealth-management-resources/monthly-market-overview-february-2024/) - Monthly Market Overview – February 2024 | February 2024Monthly Overview Treasury Yields 10-year Treasury yields have historically moved in a similar direction as the Fed Funds. The exception is when the bond market is anticipating the last hike or cut (sometimes incorrectly). The arrows show where the 10-year Treasury anticipated the eventual peak or trough in the Fed Funds rate. The 10-year
- [Weekly Market Insight – February 9, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-9-2024/) - Weekly Market Insight – February 9, 2024 | February 9, 2024Weekly Market Insight So Close, But No 5,000Stocks continued their year-to-date advance but lost a bit of steam after the S&P 500 Index came remarkably close to hitting the 5,000 level for the first time. Year-to-date this market’s weighted benchmark is up 4.1% led by firms in the semiconductor, internet media and streaming
- [Fraudulent text messages](https://www.herringbank.com/newsroom/fraudulent-text-messages/) - Fraudulent text messages | Fraud Alert: Fake text messages asking for purchase approval Herring Bank customers are reporting a suspicious text messageFebruary 7, 2024 Please be aware that we have received reports from multiple customers about fraudulent text messages. In some cases, the fraudsters are spoofing bank phone numbers (making it appear like the text was sent from a
- [Weekly Market Insight – February 2, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-2-2024/) - Weekly Market Insight – February 2, 2024 | February 2, 2024Weekly Market Insight Powell Throws Cold Water on March Rate CutEquities finished the week down amid hawkish remarks from Fed Chair Powell. The S&P 500 suffered its worst single-day drop since last October, but gains earlier in the week helped limit the damage. The weekly decline was just 0.5%. The NASDAQ was down
- [Weekly Market Insight – January 26, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-26-2024/) - Weekly Market Insight – January 26, 2024 | January 26, 2024Weekly Market Insight United States Economy Continues Its ResilienceAfter a negative performance last week, equities retuned to the plus side in a meaningful way this week. The Russell 3000 Index of domestic stocks returned 2.1% for the period. The growth component of the index, the Russell 1000 Growth Index, was even more impressive
- [2023 Q4 Investment Insight – January 22, 2024](https://www.herringbank.com/wealth-management-resources/2023-q4-investment-insight-january-22-2024/) - 2023 Q4 Investment Insight – January 22, 2024 | January 22, 2024Investment Insight: Q4 2023 2023 Economic ReviewThroughout 2023 we repeatedly used the term “resilient” to describe the U.S. economy. The most readily visible evidence of this resilience was seen in quarterly GDP results. As we progressed through the first three quarters of the year, the results were consistently higher than anticipated. The third
- [Weekly Market Insight – January 19, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-19-2024/) - Weekly Market Insight – January 19, 2024 | January 19, 2024Weekly Market Insight Equities Cool as the Fed to Go Slow on Rate CutsEquities finished the week down 0.9%, but there was weakness in some higher beta industries. Small caps lagged with a 2.9% drop and have started to give back a good chunk of their December outperformance. Small caps outpaced the S&P
- [Weekly Market Insight – January 12, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-12-2024/) - Weekly Market Insight – January 12, 2024 | January 12, 2024Weekly Market Insight Market OverviewOver this past week, U.S. equities advanced 1.7%, while foreign equities rose 0.3%. Bonds declined 0.5% over the week, which reflected the near-term trend in yields. According to FactSet, the yield for the U.S. 10-year Treasury retraced to 4.0% from 3.9% a week ago. Survey Says…Markit, an S&P Global
- [Weekly Market Insight – January 5, 2024](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-5-2024/) - Weekly Market Insight – January 5, 2024 | January 5, 2024Weekly Market Insight Happy New Year!Equities finished lower for the week due to a “risk-off” mentality in the markets, reversing the trend from the prior week. The S&P 500 finished down 1.6%, while the Nasdaq was down 3.4%. Small caps experienced a more significant sell-off, falling 4.5%. Treasury yields backed up during the
- [Weekly Market Insight – December 29, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-29-2023/) - Weekly Market Insight – December 29, 2023 | December 29, 2023Weekly Market Insight Equities Inching Within Striking Distance of an All-Time HighEquities edged higher this week continuing the S&P 500’s longest run of weekly advances since 2017 and inching within striking distance of an all-time high. A turnaround is unlikely in the last two trading days of the year as the so-called Santa
- [Weekly Market Insight – December 4, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-4-2023/) - Weekly Market Insight – December 4, 2023 | December 4, 2023Weekly Market Insight The VIX Index hits its lowest level since 2020Equities were flat as volatility squeezed lower amid reduced holiday activity. The S&P 500 and NASDAQ Composite were close to unchanged on the week. Small caps fared better with gains of 0.5%. The VIX Index fell under 13 for the first time
- [Investing for the future with rental property](https://www.herringbank.com/wealth-management-resources/investing-for-future-with-rental-property/) - Investing for the future with rental property | Wealth management adviceInvesting for the future with rental property If real estate investments interest you, but you don’t feel any need to change your own living situation……buying a property to rent to tenants can build you not only equity, but wealth as well. 1. If you’ve done your math right, there shouldn’t be a single
- [What you don’t know about your credit score could hurt you - what you need to know.](https://www.herringbank.com/personal-banking-resources/what-you-need-to-know-about-your-credit-score/) - What you don’t know about your credit score could hurt you – what you need to know. | Stretch your income as far as you canWhat you don’t know about your credit score could hurt you – what you need to know. There are three credit bureaus — TransUnion, Experian and Equifax.Each of these credit bureaus compiles its own credit report based off your financial history and credit history. 1. You should check
- [Everything you should know about taking a personal loan](https://www.herringbank.com/personal-banking-resources/everything-you-should-know-about-taking-personal-loan/) - Everything you should know about taking a personal loan | Personal banking adviceEverything you should know about taking a personal loan There are a lot of misconceptions about personal loans. Because of these ingrained myths, many are missing out.Don’t be one of them. Properly executed, a personal loan can be a great financial tool to improve your way of life. But before we can talk
- [Intro to investing](https://www.herringbank.com/personal-banking-resources/intro-to-investing/) - Intro to investing | Personal banking adviceIntroduction to investing Have you ever bought and ate a $2,500 pizza?Rare, exotic, and organic toppings that play on your palette. The 5 star chef hand-kneading the fair-trade sourced dough. Topped with exquisite Tibetan-monk made Yak mozzarella. All prepared in the most exlusive VIP restaurants in NYC. What could possibly make a pizza
- [Weekly Market Insight – November 10, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-november-10-2023/) - Weekly Market Insight – November 10, 2023 | November 10, 2023Weekly Market Insight Employment data dominated the economic releases for the weekEmployment data dominated the economic releases for the week as the unemployment rate ticked higher to 3.9%, the highest level since January 2022. Also, the increase in non-farm payrolls registered 150,000, below the anticipated increase of 180,000. Not only was the monthly
- [Weekly Market Insight – November 3, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-november-3-2023/) - Weekly Market Insight – November 3, 2023 | November 3, 2023Weekly Market Insight Equities Rally as Event Risk FadesEquities came into the week in a notable correction. The S&P 500 was 10% below its July peak and small caps down almost 20%. Big events for the week included the Bank of Japan and their future path of policy, the Federal Reserve meeting, and
- [Weekly Market Insight – October 27, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-october-27-2023/) - Weekly Market Insight – October 27, 2023 | October 27, 2023Weekly Market Insight Equities Continue to SlideEquity markets declined this past week, given the sustained rise in yields. U.S. equities declined 3.2% with U.S. small caps falling 4.5%, the worst performer for the week. Foreign equities declined 2.1%. Bonds also declined over the week. Ongoing strength on the jobs front has been a
- [Weekly Market Insight – September 29, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-29-2023/) - Weekly Market Insight – September 29, 2023 | September 29, 2023Weekly Market Insight Current economic environmentThe past week was relatively light in terms of data releases but some of the updates were meaningful in helping to assess the current economic environment. On the labor front both initial and continuing jobless claims were below consensus estimates and the prior week’s report. Ongoing strength on
- [Weekly Market Insight – September 18, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-18-2023/) - Weekly Market Insight – September 18, 2023 | September 18, 2023Weekly Market Insight Summer DoldrumsOver the last week, fixed income rose to the top regarding cross-asset performance, rising 0.3%. U.S. equities declined 0.1%, as U.S. small caps fell 1.0% while large caps were flat. Outside the U.S., emerging markets declined 0.6% while foreign developed eked out a modest 0.1% increase. Economic Tea LeavesInflation
- [Weekly Market Insight – May 26, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-26-2023/) - Weekly Market Insight – May 26, 2023 | May 26, 2023Weekly Market Insight Corporate earningsCorporate earnings continue to be front-of-mind. Nvidia Corporation (NVDA) was the most recent example, beating expectations with revenue and earnings-per-share coming in better than consensus. NVDA was up +30% pre-market this morning, so much that it is on track to exceed $1 trillion in market capitalization. This would put
- [Weekly Market Insight – May 19, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-19-2023/) - Weekly Market Insight – May 19, 2023 | May 19, 2023Weekly Market Insight The nation’s debt ceiling issueThis week, equity investors were heartened by the news that rival political parties were in negotiations to resolve the nation’s debt ceiling issue. As measured by the Russell 3000 Index of domestic equities, stocks returned 1.1% for the week. Growth stocks provided all of the momentum
- [Weekly Market Insight – May 12, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-12-2023/) - Weekly Market Insight – May 12, 2023 | May 12, 2023Weekly Market Insight Stocks Rally as Jobs Remain Strong and Big Tech Gets BiggerEquities moved higher as a stronger than expected jobs report helped alleviate recession fears. The S&P 500 advanced 1.2% on the week. The NASDAQ continued its relative strength by posting gains of 2.4%. Core bonds were down 0.5% as interest
- [Weekly Market Insight – May 5, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-5-2023/) - Weekly Market Insight – May 5, 2023 | May 5, 2023Weekly Market Insight Equities Remain Resilient as Banking Woes PersistEquities held on to weekly gains as earnings upside gave way to more banking headwinds in recent days. The NASDAQ was up 1.5% and led the way as small caps were again laggards. Foreign developed markets and emerging markets were up fractionally on the
- [Weekly Market Insight – April 28, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-28-2023/) - Weekly Market Insight – April 28, 2023 | April 28, 2023Weekly Market Insight This past week bond markets advanced 0.7%, led by treasury issues as declines across the yield curve boosted prices. This week’s advance pushed the year-to-date return on the broader bond market to +3.46%. Contrary to this advance, stocks dropped this week by -2.0% to +5.4%, cutting the progress equity markets
- [Weekly Market Insight – April 14, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-14-2023/) - Weekly Market Insight – April 14, 2023 | April 14, 2023Weekly Market Insight Economic data was at the forefrontEconomic data was at the forefront this week as current readings of inflation and employment were released. On the employment front both continuing jobless claims and initial claims were higher than anticipated. While labor markets continue to exhibit resilience these readings along with the recently
- [Weekly Market Insight – April 7, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-7-2023/) - Weekly Market Insight – April 7, 2023 | April 7, 2023Weekly Market Insight Everything is in the Green for the First QuarterEquity indices remained resilient with gains above 1% on the week. Small caps remain the laggard as macro-economic data begins to show early cracks. The S&P 500 is up about 7% in three weeks from its March low but remains a little
- [Weekly Market Insight – March 31, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-31-2023/) - Weekly Market Insight – March 31, 2023 | March 31, 2023Weekly Market Insight Equities Grind HigherBroad equity market indexes all advanced over the past week as fears pertaining to recent bank failures abated while investors cling to the mantra of a soft-landing. The Russell 3000 rose 2.1% as Value outperformed Growth (+3.1% versus +1.2%). Foreign equities also advanced, albeit muted compared to domestic
- [Weekly Market Insight – March 24, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-24-2023/) - Weekly Market Insight – March 24, 2023 | March 24, 2023Weekly Market Insight Equity Markets Shrug Off Extraordinary Bond Market VolatilityThe S&P 500 was up 1.2% on the week as strength in large cap technology overcame weakness in smaller cyclical stocks. Cyclical stocks have been weak of late as global bank failures raise concern about the future growth trajectory. Investors appear to be
- [Weekly Market Insight – March 17, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-17-2023/) - Weekly Market Insight – March 17, 2023 | March 17, 2023Weekly Market Insight Bank Term Lending ProgramInvestor focus this week has been on actions taken by regulatory authorities to assure safety of deposits at U.S. banks. On Sunday, regulators put into place a new Bank Term Lending Program that provides an additional safety net under all U.S. banks. The new borrowing program increased
- [Weekly Market Insight – March 10, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-10-2023/) - Weekly Market Insight – March 10, 2023 | March 10, 2023Weekly Market Insight Bond Market now Favors a 50 Basis Point Hike after Powell Opens the DoorThe S&P 500 was volatile on the week but managed to gain 1.1% amid a fair amount of dispersion under the surface. The NASDAQ was up 1.8% while small caps were down 1%. Small caps have been
- [Weekly Market Insight – March 1, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-1-2023/) - Weekly Market Insight – March 1, 2023 | March 1, 2023Weekly Market Insight The second estimate of fourth quarter GDP was front and center this week as a slew of economic data releases took place. The revised result was weaker than expected with a reading of 2.7% compared to an expectation of 2.9%. One of the factors contributing to the weaker result relative
- [Debit Card Spoofing Scam](https://www.herringbank.com/newsroom/debit-card-spoofing-scam/) - Debit Card Spoofing Scam | Fraud Alert: Debit Card Spoofing Scam Herring Bank customers are reporting a suspicious phone callFebruary 27, 2023 We received a call from a customer notifying us of a scam they fell victim to. The customer reported that they were talked into buying $600 worth of Walmart gift cards. The phone number the scammer called on
- [Weekly Market Insight – February 24, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-24-2023/) - Weekly Market Insight – February 24, 2023 | February 24, 2023Weekly Market Insight Equities Fall as Rising Yields Finally Take a TollThe S&P 500 was down 3.8% on the week. Small caps fared slightly better and the NASDAQ slightly worse. As has been customary in recent market corrections, foreign developed markets exhibited a smaller downside move. The MSCI EAFE Index was down 0.9%
- [Weekly Market Insight – February 17, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-17-2023/) - Weekly Market Insight – February 17, 2023 | February 17, 2023Weekly Market Insight This past week saw the release of several economic reports geared toward the consumerOn Tuesday, the U.S. Bureau of Labor Statistics released its Consumer Price Index (CPI) for January. CPI rose 0.5%, in-line with expectations while above its 0.1% increase in December. Overall, CPI increased 6.4% year-over-year (YOY) which was
- [Weekly Market Insight – February 10, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-10-2023/) - Weekly Market Insight – February 10, 2023 | February 10, 2023Weekly Market Insight Equities Whipsaw Around Conflicting Economic Data and Powell CommentsThe S&P 500 was flat on the week but showed noticeable volatility intraday. A slight uptick in NASDAQ- related names was offset by slight weakness in value equities. This is a good sign that large January gains are holding. A modest rebound
- [Weekly Market Insight – February 3, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-february-3-2023/) - Weekly Market Insight – February 3, 2023 | February 3, 2023Weekly Market Insight U.S. equity marketsU.S. equity markets as measured by the MSCI USA Index gained 0.6% this week finishing out January up 5.5%. This past month bond markets climbed 3.1% as interest rates continued to drop across the yield curve. This positive kickoff to 2023 comes as a relief after 2022 was
- [Weekly Market Insight – January 27, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-27-2023/) - Weekly Market Insight – January 27, 2023 | January 27, 2022Weekly Market Insight The NASDAQ Index Surges to Best Calendar Start Since 2000Positive equity momentum continued this week as the S&P 500 gained 2.2%. Despite yields moving higher, the NASDAQ fared even better with a 3.3% advance, which is a little bit of a character change. Fixed income indices were down as yields
- [Weekly Market Insight – January 20, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-20-2023/) - Weekly Market Insight – January 20, 2023 | January 20, 2022Weekly Market Insight Equities continued to rise last weekVirtually all major market indices moved higher. For domestic markets, small-cap stocks led the way as the Russell 2000 Index returned 1.8%. Large-cap and mid-cap stocks also moved higher with weekly returns of 0.5% and 0.8%, respectively. Developed foreign markets matched U.S. small-cap stocks with
- [Weekly Market Insight – January 13, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-13-2023/) - Weekly Market Insight – January 13, 2023 | January 13, 2022Weekly Market Insight Equities Begin the Year with Strong GainsAfter a weak ending in 2022, equity markets are off to a good start in 2023. The S&P 500 is up 3.4% to begin the year while the NASDAQ and Russell 2000 are both up about 4.5%. Emerging markets are up an even stronger
- [Weekly Market Insight – January 6, 2023](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-january-6-2023/) - Weekly Market Insight – January 6, 2023 | January 6, 2022Weekly Market Insight Happy New Year!Asset class returns have exhibited a welcome respite from that of 2022. Bonds have rallied 1.1% over the last week as interest rates have declined. U.S. and foreign equities have also exhibited positive returns of 2.1% and 2.0%, respectively. Value continues to outperform growth. While some may attribute
- [Weekly Market Insight – December 23, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-23-2022/) - Weekly Market Insight – December 23, 2022 | December 23, 2022Weekly Market Insight As traders turn off their screens and head for the doors for a long weekendMarket data was full of mixed signals. Mister Market was more Krampus than Santa Claus this week sending both bonds and stocks lower -1.2% and -2.9% respectively. This drawback follows strong gains for the quarter that
- [Weekly Market Insight – December 16, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-16-2022/) - Weekly Market Insight – December 16, 2022 | December 16, 2022Weekly Market Insight Inflation Drops – And Sets a Trap for the BullsEquities rallied on the week in anticipation of a better‐than‐expected Consumer Price Index (CPI) report and a dovish pivot from the Federal Reserve. The S&P 500 finished the week up 1.6% with core bonds flat. However, it was likely a more
- [Weekly Market Insight – December 9, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-9-2022/) - Weekly Market Insight – December 9, 2022 | December 9, 2022Weekly Market Insight EmploymentEmployment data was at the forefront of this week’s economic calendar. Despite concerns regarding an impending recession the employment picture continues to be resilient as the unemployment rate remained unchanged at 3.7%. Non-farm payrolls rose by 263,000, higher than the forecasted increase of 200,000. In addition to the above expected
- [Weekly Market Insight – December 2, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-december-2-2022/) - Weekly Market Insight – December 2, 2022 | December 2, 2022Weekly Market Insight Stocks Rally as Powell Guides to 50 in DecemberFed Chair Jerome Powell signaled the pace of rate hikes would slow and could come as soon as the next meeting in December. The S&P 500 rallied more than 3% on the day. It was the fourth-consecutive time the market moved 3%
- [Weekly Market Insight – November 25, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-november-25-2022/) - Weekly Market Insight – November 25, 2022 | November 25, 2022Weekly Market Insight U.S. equities were basically flat since our last InsightU.S. equities have exhibited a sustained upward trend since the quarter began, having risen 10.2% over that timeframe. Outside the U.S., equities declined modestly by 0.2% over the week but this slight hiccup does not tarnish the 14.0% advance in foreign equities
- [Weekly Market Insight – November 18, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-november-18-2022/) - Weekly Market Insight – November 18, 2022 | November 18, 2022Weekly Market Insight Stocks surge on lower inflationEquities surged last Thursday when the Consumer Price Index (CPI) came in lower than expected. The S&P 500 jumped 5.55% on the day, the largest single-day gain since March 2020. The NASDAQ’s 7.4% gain was the 14th largest in the 50-year series history. The 13 larger
- [Debit Card Texting Scam](https://www.herringbank.com/newsroom/debit-card-texting-scam/) - Debit Card Texting Scam | Fraud Alert: Debit Card Texting Scam Herring Bank customers are reporting a suspicious text messageNovember 10, 2022 There is a text message being sent to bank customer’s claiming that there is an issue with their account – specifically we’ve seen and received reports that when the listed number in the text message is called, customers
- [Weekly Market Insight – November 4, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-november-4-2022/) - Weekly Market Insight – November 4, 2022 | November 4, 2022Weekly Market Insight The Fed Fails to Pivot, Sparking Reversal in EquitiesThe S&P 500 ended the week down 1.8% thanks to a 3.6% drop in the last 90 minutes of trading as Federal Open Market Committee (FOMC) Chair Jerome Powell extinguished hopes of a bullish Fed pivot. It was the largest percentage drop
- [Weekly Market Insight – October 28, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-october-28-2022/) - Weekly Market Insight – October 28, 2022 | October 28, 2022Weekly Market Insight Equities Shrug Off Bad News as Rally Approaches 10% from October LowThe equity rally continued this week despite bearish headlines. Large cap technology names were very weak and yet the S&P 500 was up 3.7%. Real strength was seen in small caps, which rallied 4.6%, while oil field service stocks
- [Weekly Market Insight – October 21, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-october-21-2022/) - Weekly Market Insight – October 21, 2022 | October 21, 2022Weekly Market Insight Equities stage huge reversal off the lows, but will it hold?Volatility remains elevated as equity indices posted three consecutive 2% change days. The action started last week with a hotter than expected Consumer Price Index (CPI) report that led the S&P 500 to drop more than 2% to start trading
- [Weekly Market Insight – October 14, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-october-14-2022/) - Weekly Market Insight – October 14, 2022 | October 14, 2022Weekly Market Insight Tidings of Continued InflationAll eyes this week were focused on inflation, which appears to remain sticky. The U.S. Bureau of Labor Statistics (BLS) reported two key measures of inflation beginning with the Producer Price Index (PPI) for finished goods. PPI for September was higher than expected, rising 0.4% versus expectations
- [Weekly Market Insight – October 7, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-october-7-2022/) - Weekly Market Insight – October 7, 2022 | October 7, 2022Weekly Market Insight Equities Surge Amid Two-Day Buying FrenzyEquities traded lower to end last week but staged a rare 5.7% surge over two days. The spark was ignited by extremely oversold conditions and the Reserve Bank of Australia increasing rates by only 25 basis points. This pivot, combined with the Bank of England
- [Weekly Market Insight – September 30, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-30-2022/) - Weekly Market Insight – September 30, 2022 | September 30, 2022Weekly Market Insight Equities Retreat to New Lows Amid Rising Bond YieldsEquities traded lower this week with the S&P 500 trading at its lowest level of the year. The index finished down 1.9% on the week and is down 21.1% on the year. Emerging markets were down 6% on the week as global
- [Weekly Market Insight – September 23, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-23-2022/) - Weekly Market Insight – September 23, 2022 | September 23, 2022Weekly Market Insight Focus on the FedThis week all eyes were focused on the Fed in anticipation of their rate decision. Change was expected, but would it be an increase of 75 basis points or 100 basis points, given the prior week’s report of the Consumer Price Index rising 8.3% year‐over‐year? Recall the
- [Five in Five | September 2022](https://www.herringbank.com/wealth-management-resources/five-in-five-september-2022/) - Five in Five | September 2022 | September, 2022Five in Five 1. U.S. Economic Sentiment Indicator vs. S&P 500This chart exhibits the Fathom Consulting’s Economic Sentiment Index (ESI) relative to the subsequent 12 month percentage change in the S&P 500. Fathom’s ESI measures economic sentiment, and employs a technique known as “principal component analysis” to distil information from numerous consumer and business
- [Weekly Market Insight – September 16, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-16-2022/) - Weekly Market Insight – September 16, 2022 | September 16, 2022Weekly Market Insight Sustained volatilityMarket participants have been attempting to read the tea leaves, trying to ascertain positioning in the face of a very fluid macro-environment. One thing that has remained elevated is volatility. The CBOE Volatility Index, or VIX, currently stands at 26 which is above its historical average of 19.6. This
- [Weekly Market Insight – September 9, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-9-2022/) - Weekly Market Insight – September 9, 2022 | September 9, 2022Weekly Market Insight Are equities setting up for a huge fourth-quarter rally?A sharp rally to end the week resulted in a mixed equity picture. The S&P 500 finished up 0.7%, while the NASDAQ and Russell 2000 finished slightly in the red. Despite the muted returns, there was plenty of noteworthy action under the
- [Weekly Market Insight – September 2, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-september-2-2022/) - Weekly Market Insight – September 2, 2022 | September 2, 2022Weekly Market Insight Hot fun in summertimePositive sentiment toward equities continued into August, until it didn’t. Broad equity benchmarks continued their ascent through mid-month, which began as of the beginning of this third-quarter. U.S. equities rose through most of the month, only to pull back from mid-month highs and end the month down
- [CyberSecurity Awareness Month](https://www.herringbank.com/newsroom/cybersecurity-awareness-month/) - CyberSecurity Awareness Month | Cybersecurity Awareness Month CyberSecurity Month: Be Cyber SmartNow in its 18th year, Cybersecurity Awareness Month—previously known as National Cybersecurity Awareness Month—continues to raise awareness about the importance of cybersecurity across our Nation, ensuring that all Americans have the resources they need to be safer and more secure online. Held every October, Cybersecurity Awareness Month is
- [Debit Card Transactions Notice](https://www.herringbank.com/newsroom/debit-card-transactions-notice/) - Debit Card Transactions Notice | Important Notice: Herring Bank Debit Card Transactions A technical issue with Herring Bank debit card transactionsDecember 10, 2021 Please be advised of a technical issue causing Herring Bank debit card transactions to not post in a timely manner causing certain Transactions from Nov 26th through Nov 29th to be delayed in posting until Dec 9th.
- [Online banking is getting an upgrade](https://www.herringbank.com/newsroom/online-banking-getting-upgrade/) - Online banking is getting an upgrade | Online Banking is getting an upgrade New functionality with a new look-and-feelWe’re committed to making your banking experience the best we can! On Sunday, October 24, 2021, our online banking experience received an upgrade with a brand new redesign. What do the changes mean to you? New landing page called OVERVIEW Personalization options with widgets
- [Mobile Banking App updates](https://www.herringbank.com/newsroom/mobile-banking-app-updates/) - Mobile Banking App updates | Our Online Banking Mobile App has been updated with a brand new mobile app! Our Mobile Banking App has been upgraded!Last updated: June 8, 2021 We are excited to announce a new mobile experience that includes the following upgrades: A modern design an interface New security feature and settings Biometrics for Android & iPhone users
- [The new Herring Bank website is here - Internal release](https://www.herringbank.com/newsroom/the-new-herring-bank-website-is-here-internal-release/) - The new Herring Bank website is here – Internal release | Delivering a better digital experienceOur new website is here! A lot has changed with the new website… all to serve you better.You’ll find the new website to be concise, efficient, but robust enough for customers to go as deep as they need to go, without forcing them to endlessly dig to solve their current need.
- [Security alert: Phishing alert](https://www.herringbank.com/newsroom/phishing-alert/) - Security alert: Phishing alert | Security alert: Phishing alert Phishing alertJanuary 15, 2014 Victims of the Target data breach are vulnerable to phishing attacks right now. Remember, we will never ask you for personal information or your account number in an email; do not respond to emails that warn of dire consequences; check your accounts regularly; look for the padlock
- [Security alert: OpenSSL Heartbleed Bug](https://www.herringbank.com/newsroom/heartbleed/) - Security alert: OpenSSL Heartbleed Bug | Security alert: OpenSSL Heartbleed Bug OpenSSL Heartbleed BugApril 14, 2014 On April 7, 2014, security researchers disclosed a flaw in certain versions of OpenSSL software that is used by some websites to encrypt communication between a web browser and a server. This flaw has been named the Heartbleed bug and has been widely publicized. In
- [Security alert: FDIC Consumer Cybersecurity](https://www.herringbank.com/newsroom/fdic-consumer-cybersecurity/) - Security alert: FDIC Consumer Cybersecurity | Security alert: FDIC Consumer Cybersecurity FDIC Consumer CybersecurityMarch 9, 2016 The FDIC has released a guide for all banking customers regarding cybersecurity with helpful advice for staying safe online. You can read more about it at the following link. FDIC Cybersecurity GuideWe take the security of your account very seriously and have deployed several different
- [Security alert: Fake calls about your SSN](https://www.herringbank.com/newsroom/fake-calls/) - Security alert: Fake calls about your SSN | Security alert: Fake calls about your SSN Fake Calls About Your SSNFebruary 5, 2019 The FTC is getting reports about people pretending to be from the Social Security Administration (SSA) who are trying to get your Social Security number and even your money. In one version of the scam, the caller says your Social Security
- [Questions about your tax forms?](https://www.herringbank.com/newsroom/questions-about-your-tax-forms/) - Questions about your tax forms? | Questions about your tax forms? There may be issues with your current 2020 1099 and 1098 tax formsFebruary 1, 2021 The incorrect 1099 and 1098 tax documents were mailed on January 26, 2021. Our third-party service provider, who generates and completes the information contained in the 1099 and 1098 tax form documents, as well as
- [Security alert: Debit card issue](https://www.herringbank.com/newsroom/debit-card-issue/) - Security alert: Debit card issue | Security alert: Debit card issue Debit card issueDecember 19, 2013 Herring Bank has been informed by MasterCard that some Herring Bank debit cards may have been compromised as a result of the recent Target Corp. data breach reported in the news. All compromised debit cards have been put in INACTIVE status, and must be replaced.
- [All about remote deposit](https://www.herringbank.com/personal-banking-resources/all-about-mobile-remote-deposit/) - All about remote deposit | Personal banking adviceAll about mobile remote deposit – making banking more convenient With mobile banking on the rise, savvy consumers are looking for a way to manage their finances.Mobile RDC can help you bank with maximum efficiency and convenience. What is mobile remote deposit capture (RDC)?Mobile Remote deposit capture (mobile RDC) is a new technology
- [How to get out of debt and start saving for the future - even if you can’t afford it.](https://www.herringbank.com/personal-banking-resources/get-out-of-debt-even-if-you-cannot-afford-it/) - How to get out of debt and start saving for the future – even if you can’t afford it. | Stretch your income as far as you canHow to get out of debt and start saving for the future – even if you can’t afford it. The first rule of successful money management is to keep your spending below your income.1. First, pay off and eliminate your debt as fast as possible. 2. Second, you
- [Are you making these common mistakes and putting your finances at risk?](https://www.herringbank.com/personal-banking-resources/common-mistakes-putting-finances-at-risk/) - Are you making these common mistakes and putting your finances at risk? | Personal banking adviceAre you making these common mistakes and putting your finances at risk? If you’re using your bank account the same way you did five, ten, or even twenty years ago, you’re missing out……and probably doing some pretty unsafe things. Not only has banking changed dramatically in the last decade, it’s arguably changed more
- [Why you should make a retirement budget](https://www.herringbank.com/wealth-management-resources/make-retirement-budget/) - Why you should make a retirement budget | Wealth management adviceWhy you should make a retirement budget It’s essential that you know how much you need to save before you seriously consider retirement.Obviously, the earlier you budget for retirement, the earlier you can pivot and change course if needed. Life happens fast. You need to be ready for it. 1. Even though you’re
- [Why you don't need to be wealthy to need a wealth manager](https://www.herringbank.com/wealth-management-resources/do-not-need-to-be-wealthy-to-need-wealth-manager/) - Why you don’t need to be wealthy to need a wealth manager | Wealth management adviceWhy you don’t need to be wealthy to need a wealth manager If you think that you must be rich and have an abundance of wealth to need a wealth manager, think again.1. No matter how much you have to invest, a wealth manager makes your money work for you. 2. Assets can
- [How to start investing your money](https://www.herringbank.com/wealth-management-resources/how-to-start-investing-your-money/) - How to start investing your money | Wealth management adviceHow to start investing your money Want to start investing your money, but don’t know what your options are?1. If you buy a company’s stocks, you can then lay claim on a portion of its equity. 2. Bondholders issue a loan to an organization with a set amount of interest, and the borrowing
- [Estate planning checklist](https://www.herringbank.com/wealth-management-resources/estate-planning-checklist/) - Estate planning checklist | Wealth management adviceEstate planning checklist No matter where you are in life, you should always prepare for the unexpected.One way you can do that is by properly planning and taking care of your estate. 1. Assign a power of attorney 2. Write a living will 3. Document both primary and contingent beneficiaries 4. Establish a
- [Financial planning tips for tax season](https://www.herringbank.com/wealth-management-resources/financial-planning-tips-for-tax-season/) - Financial planning tips for tax season | Wealth management adviceFinancial planning tips for tax season Attention to detail during your tax prep will be rewarded with greater savings when it comes time to file.Don’t wait until the last minute to get ready. Start with these tips early! 1. At the start of each financial year, review your W4 form and make sure
- [Weekly Market Insight – August 19, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-august-19-2022/) - Weekly Market Insight – August 19, 2022 | August 19, 2022Weekly Market Insight Tightening monetary policy and rate hikesThis week’s release of the Federal Reserve’s (Fed) July meeting minutes drew focus from investors looking to see if any consideration was made by the Fed regarding when it would pivot away from tightening monetary policy and slow down the pace of rate hikes. Following
- [Weekly Market Insight – August 26, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-august-26-2022/) - Weekly Market Insight – August 26, 2022 | August 26, 2022Weekly Market Insight Bear Market Rally or New Bull Market?Equities sold off this week, marking an end to an eight-week run that saw the S&P 500 advance 17%. The S&P 500 was down 3.1% on the week, while the NASDAQ fell 3.9%. With short-term overbought conditions resolved, the market will find out if
- [Today's economic outlook vs the 1970s recession?](https://www.herringbank.com/wealth-management-resources/todays-economic-outlook-vs-the-1970s-recession/) - Today’s economic outlook vs the 1970s recession? | Should you be afraid of a repeat?Today’s economic outlook vs the 1970s recession? Forecasts for a repeat of 1970s-style surging bond yields and inflation are becoming quite common.1. What happened during the 1970s recession? 2. If supply chains resolve themselves is an economic boom poised to ensue? 3. What it all means for 2022… 4.
- [A sobering realization that not all quarters can be positive](https://www.herringbank.com/wealth-management-resources/a-sobering-realization-that-not-all-quarters-can-be-positive/) - A sobering realization that not all quarters can be positive | Q1 (2022) served a sobering realization that…Not all quarters can be positive Investors were treated to a double dose of negativity in the first quarter as both stocks and bonds declined over the three-month period.1. A sobering start 2. Looking forward 3. Second opinion 4. Asset allocation review & outlook 5. Bond math 101 6.
- [Is inflation here to stay or is it transitory?](https://www.herringbank.com/wealth-management-resources/is-inflation-here-to-stay-or-is-it-transitory/) - Is inflation here to stay or is it transitory? | What does it mean for your long-term investments?Is inflation here to stay or is it transitory? As inflation measures climbed over 2021 to levels not seen in decades…… there was a rush by some to project the heightened levels would continue into the foreseeable future. 1. “Transitory” was meant to indicate the current spike 2.
- [Five in Five - April 2022](https://www.herringbank.com/wealth-management-resources/five-in-five-april-2022/) - Five in Five – April 2022 | April, 2022Five in Five This Month’s Five in Five covers the following topics: 1. International Index Performance 2. Three Year Look at Commodity Prices 3. Real Yields Surge 4. USA Real GDP 5. Rotary Rig Count 1. International index performance As of April 8, the S&P 500 Index is down 6.4%, the Russia RTS Index
- [Weekly Market Insight - March 31, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-march-31-2022/) - Weekly Market Insight – March 31, 2022 | March 31, 2022Weekly Market Insight Weakness in housing continued this week but is not necessarily indicative of a significant reduction in demand. Pending home sales dropped by 4.1% in February from January. All regions were down outside of the Northeast. Year-over-year, pending home sales were down 5.4%. The primary reason given for the decline was
- [Weekly Market Insight - April 7, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-7-2022/) - Weekly Market Insight – April 7, 2022 | April 7, 2022Weekly Market Insight The Federal Reserve (Fed) rhetoric was a headwind to risk assets this week. Current and former governors spoke openly about increasing interest rates in an “expeditious” manner. This leaves multiple 50 basis points hikes on the table for upcoming meetings. The market is pricing in an 86% chance of a
- [Weekly Market Insight - April 14, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-14-2022/) - Weekly Market Insight – April 14, 2022 | April 14, 2022Weekly Market Insight Inflation continues to run hot. The Consumer Price Index (CPI) for March was released this week. The increase of 8.5% over the year and 1.2% from February to March shows a continuation of price increases. A lot of this increase can be attributed to sharp rises in energy. Fuel oil
- [Weekly Market Insight - April 21, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-21-2022/) - Weekly Market Insight – April 21, 2022 | April 21, 2022Weekly Market Insight The S&P 500 ended the week up 0.3% as earnings season comes into focus. Heavy-weight names are starting to report first quarter earnings and there have been some big moves for well-known mega-cap stocks. Netflix fell 35% after reporting results, which dragged some other heavy-weight names lower and resulted in
- [Weekly Market Insight - April 29, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-april-29-2022/) - Weekly Market Insight – April 29, 2022 | April 29, 2022Weekly Market Insight Earnings for the first quarter are currently 7% higher than expected. This comes amid slower growth than in previous quarters. Overall, earnings are up 8.38% and the energy sector has contributed the most to this growth. Earnings are expected to grow by over 200% for the quarter. However, performance of
- [Weekly Market Insight - May 6, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-6-2022/) - Weekly Market Insight – May 6, 2022 | May 6, 2022Weekly Market Insight The S&P 500 ended the week up 2.8%, with all the gains coming in the last two hours on Wednesday. The Fed Hikes Rates by 50 Basis Points for the First Time Since 2000Stocks surged mid-way through the Federal Open Market Committee (FOMC) press conference after Chair Powell indicated that
- [Weekly Market Insight – May 13, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-13-2022/) - Weekly Market Insight – May 13, 2022 | May 13, 2022Weekly Market Insight The massive rally post-Federal Open Market Committee meeting last Wednesday turned out to be a head fake. Sharp Reversal Sends Risk Assets LowerThis week saw significant losses in risk assets. The S&P 500 was down 8.5% on the week with losses more extreme in higher valuation and cyclical companies. The
- [Weekly Market Insight – May 20, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-20-2022/) - Weekly Market Insight – May 20, 2022 | May 20, 2022Weekly Market Insight Retail Sales IncreaseThere was an increase in retail sales through April. Retailers sold 0.9% more than the previous month. Taking out autos, retail sales grew by 0.60%. The expectation was for retail sales with and without autos to grow by 1.0% and 0.30% respectively. The fastest growth in sales came
- [Weekly Market Insight – May 27, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-may-27-2022/) - Weekly Market Insight – May 27, 2022 | August 19, 2022Weekly Market Insight There was a little more softening in the housing market this week. Softening in the Housing MarketApril existing home sales were down 2.4% from March. The sales of 5.61 million, however, were slightly higher than the expected 5.6 million. According to the National Association of Realtors, higher home prices and
- [Weekly Market Insight – June 3, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-june-3-2022/) - Weekly Market Insight – June 3, 2022 | June 3, 2022Weekly Market Insight Stocks Rally to End the Month PositiveThe S&P 500 finished the month up just 0.2%, but at one point the deficit was greater than 5%. The NASDAQ continues to lag and posted a loss of 1.9% in May. Emerging market and foreign developed stocks fractionally outperformed the S&P 500 as
- [Weekly Market Insight – June 10, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-june-10-2022/) - Weekly Market Insight – June 10, 2022 | June 10, 2022Weekly Market Insight Data from the Employment Survey for May was released this week. The job market continues to be tight. Nonfarm payrolls increased by 390,000 and payrolls were up 65,000 more than expected. Much of the growth is coming from leisure and hospitality, professional and business services, and in transportation and warehousing.
- [Weekly Market Insight – June 24, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-june-24-2022/) - Weekly Market Insight – June 24, 2022 | June 24, 2022Weekly Market Insight Oil prices dipped over the weekWe saw a little bit of a reprieve in gas prices this week. The 8% dip in the price of a barrel of WTI Crude Oil from $106.04 a week ago to $98.15 has not been fully reflected in the prices we pay at the
- [Weekly Market Insight – July 1, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-july-1-2022/) - Weekly Market Insight – July 1, 2022 | July 1, 2022Weekly Market Insight Tough Quarter Ends on a Positive ToneEquities staged a strong rally off their monthly lows as quarter-end rebalancing forces drove the action. As target date fund assets under management have grown, this has created a mean reverting force at quarter end. In recent years, equity indices have staged large rallies
- [Weekly Market Insight – July 8, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-july-8-2022/) - Weekly Market Insight – July 8, 2022 | July 8, 2022Weekly Market Insight First Quarter GDP report sees drop in PCEThis week brought a final recording of the first quarter’s GDP, sealing that number at -1.6%, the first negative quarter since 2020 and a sharp contrast to the expansionary monetary policy primed 5.7% of 2021. The real shocker in the GDP report was
- [Weekly Market Insight – July 15, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-july-15-2022/) - Weekly Market Insight – July 15, 2022 | July 15, 2022Weekly Market Insight Fed Hikes to ContinueNon-farm payrolls were released on Friday and showed a gain of 372,000 for the month of June. This was well above the consensus expectations and caused some volatility in the markets as they remain unsure whether to treat good news as good news or the good news
- [Weekly Market Insight – July 22, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-july-22-2022/) - Weekly Market Insight – July 22, 2022 | July 22, 2022Weekly Market Insight This past week equities provided some relief to an otherwise abysmal year. Domestic equities advanced +4.1%, with large caps increasing +4.0% while small caps rose +5.4%. Outside the U.S., foreign equities increased +5.0% as developed markets rose +4.9% and emerging markets eked out an upward move of +1.5%. Rise in
- [Weekly Market Insight – July 29, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-july-29-2022/) - Weekly Market Insight – July 29, 2022 | July 29, 2022Weekly Market Insight Optimists Rejoice a More Data-Dependent FedEquities surged on Wednesday as Chairman Powell spoke following another 75-basis-point increase in the federal funds rate. This helped bring equities into the green for the week. The S&P finished the week up 1.6%. The NASDAQ was up over 4% on Wednesday, its largest one-day
- [Weekly Market Insight – August 5, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-august-5-2022/) - Weekly Market Insight – August 5, 2022 | August 5, 2022Weekly Market Insight Equity Market Strength ContinuesStocks moved higher this week with the Russell 3000 Index returning 6.2%. This week’s strong showing was a major contributor to the 10.3% return that has been generated since the start of the third quarter. Equity markets outside the U.S. were also higher for the week as
- [Weekly Market Insight – August 12, 2022](https://www.herringbank.com/wealth-management-resources/weekly-market-insight-august-12-2022/) - Weekly Market Insight – August 12, 2022 | August 12, 2022Weekly Market Insight Equity Rise Continues as CPI EasesEquities jumped on Wednesday after the Consumer Price Index (CPI) report for July came in well below expectations. This ended a four‐day run of sideways movement that helped enable the Chicago Board Options Exchange Volatility Index (VIX) to bleed lower. A lower volatility is a

## Pages

- [Home](https://www.herringbank.com/) - Herring Bank is a personalized, full-service community bank. At Herring Bank, you’re more than an account number, you’re our neighbor.
- [Campus Solutions](https://www.herringbank.com/campus-solutions/) - Herring Bank · Higher Education Campus financial solutions for every stage of the student journey From the moment a student applies to the day they receive a tax form, Herring Bank Campus Solutions handles the payments, cards, refunds, and compliance — all on one integrated platform, backed by one banking partner. Talk to our campus
- [All branches](https://www.herringbank.com/branches/) - A community bank in Texas, Oklahoma, and ColoradoFind a location near youDo most of your banking online without ever needing to visit a branch – anytime, from anywhere. We have branches in 3 States, over 30 Herring ATM Locations, and more than 55,000 Allpoint Access ATMsUse the map to visualize and locate a branch, ATM,
- [Student Banking](https://www.herringbank.com/student-banking/) - Student bankingAn account that’s built for studentsLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to your student banking accountAlready using College Green and need support? Get support hereI’ve been able to use the student ID card EVERYWHERE! It works just like any other debit
- [Student Refund Account Choice](https://www.herringbank.com/campus-solutions/student-refund-choice/) - Campus Solutions Let students choose how they get their refund When a student drops a class or has a credit balance, give them a choice in how they're refunded — with a portal integration or a no-integration option for smaller schools, and automatic check mailing for anyone who doesn't choose. Request a demo →See how
- [Campus Payment Gateway](https://www.herringbank.com/campus-solutions/payment-gateway/) - Campus Solutions Add secure payments to the forms you already use Already have forms your institution relies on? Keep them. The Payment Gateway makes your existing forms — like Jenzabar's FormFlow — able to accept secure online payments, processed and protected by Herring Bank. Request a demo →See how it works Amount due$1,250.00 •••• ••••
- [Tuition Payment Plans](https://www.herringbank.com/campus-solutions/payment-plans/) - Campus Solutions Tuition payment plans, without the rigid rules Most payment-plan providers lock you into fixed schedules and timing. Ours doesn't. Run different plans for different enrollment periods, choose the payment timing that fits, and avoid card processing fees — bank draft payments are free to your institution. Request a demo →See how it works
- [Campus ONE Card](https://www.herringbank.com/campus-solutions/campus-one-card/) - Campus Solutions One card for everything on campus — without the picture-day lines Connect student ID, building access, meal plans, and campus spending into a single physical card — and skip the picture-day bottleneck. Students self-submit their photos, staff approve, and IDs print automatically once we validate the photo against a government ID. Request a
- [International Student Payments](https://www.herringbank.com/campus-solutions/international-student-payments/) - Campus Solutions Let international students pay tuition from home — in their own currency Traditional international wire transfers are slow, expensive, and a reconciliation headache for your business office. Give international students and their families a simpler way to pay tuition, fees, and housing in their own local currency — powered by Herring Bank's partnership
- [Pay Now](https://www.herringbank.com/campus-solutions/pay-now/) - Campus Solutions Simple one-time payments for tuition and campus expenses A fast, familiar way for students to make one-time payments — from a tuition balance to a parking pass — through the Student Portal, with the option for colleges to offer deferred payment on one-time charges. Request a demo →See how it works 9:41 ‹Pay
- [1098-T Forms](https://www.herringbank.com/campus-solutions/1098t-forms/) - Campus Solutions Simplify 1098-T season and cut delivery costs Herring Bank helps colleges manage their students' 1098-T forms and lets students receive them electronically — saving the institution up to $1 per student. If a student doesn't choose electronic delivery, Herring Bank mails the form on the college's behalf. Request a demo →See how it
- [Student Identity Verification](https://www.herringbank.com/campus-solutions/student-identity-verification/) - Campus Solutions Stop ghost-student fraud before aid is disbursed Fraudulent "ghost students" enroll to capture financial aid. Herring Bank verifies students using the same bank-grade, Fed-approved processes we use for lending and account opening — with a face-liveness check added — to protect aid funds before they're disbursed. Request a demo →See how it works
- [Payment Forms](https://www.herringbank.com/campus-solutions/payment-forms/) - Campus Solutions Build flexible campus forms that accept payments Need a form that collects payments — or just collects information? Payment Forms gives every department a flexible builder with custom fields, so you can stand up payment and non-payment forms alike under one secure framework. Request a demo →See how it works Parking Permit Request
- [Mortgage Application - Get Started](https://www.herringbank.com/mortgage/mortgage-application/get-started/) - Learn what to expect during the mortgage application process, what documents you may need, and how to prepare for your home loan.
- [Learn](https://www.herringbank.com/learn/) - Explore Herring Bank Learn for helpful financial education, banking tips, mortgage guidance, and resources to make informed money decisions.
- [New York State Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/new-york-state/) - Herring Bank provides FDIC-insured banking for NY dispensaries, cultivators, processors & Cannabis Businesses. Call 1-719-470-2340.
- [New York City Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/new-york-city/) - Trusted cannabis banking for New York City CRBs. Herring Bank provides compliant checking, cash management, ACH, and armored courier services across all five boroughs.
- [Mortgage Resources](https://www.herringbank.com/mortgage-resources/) - Our mortgage and refinancing resourcesTalk with a lenderStart a conversationor call 1.866.236.4779 Avoid the mistakes by using our guidesHere’s what you should know before buying, selling, or refinancing your home.Buying your first home can be OVERWHELMING! There’s so much to know, and how do you know what you don’t know? We’ve been helping first time
- [Home Buyer Reference Guide](https://www.herringbank.com/mortgage/home-buyer-reference-guide/) - Home Buyer Reference Guide Download the 2026 Home Buyer’s Reference Guide Buying a home is a big step, but you don’t have to take it alone. Our 2026 Home Buyer’s Guide demystifies the process, breaking the journey down into six clear, manageable steps. Download this roadmap to understand exactly what to expect—from checking your credit
- [Lubbock](https://www.herringbank.com/mortgage/lubbock/) - Looking for a trusted mortgage lender in Lubbock, TX? Herring Bank offers FHA, and VA loans with competitive rates and personalized service.
- [Texas Home Equity Loans](https://www.herringbank.com/mortgage/texas-home-equity-loans/) - Unlock the value of your home with a Texas Home Equity Loan from Herring Bank. Get low rates, flexible terms, and expert guidance from a trusted Texas lender.
- [RV Loans](https://www.herringbank.com/personal-banking/rv-loans/) - Compare bank RV loans vs dealer financing. Get pre-approved for RV, motorhome, fifth wheel, and travel trailer loans with transparent rates from Herring Bank.
- [Cannabis Banking Mortgages](https://www.herringbank.com/business-banking/cannabis-banking/cannabis-banking-mortgages/) - Cannabis-friendly home loans for licensed cannabis business owners and employees. Bank-grade underwriting built for cannabis income.
- [Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/) - Experience the best in Cannabis Banking with our comprehensive CRB banking program. Nationwide Financial Solutions Tailored for Cannabis-Related Businesses.
- [Herring Bank Cannabis Banking](https://www.herringbank.com/mrb/) - Get Started with Herring BankCannabis BankingBanking | Payments | ATMSecure and Reliable Financial Solutions Tailored for Cannabis-Related Businesses – Enjoy predictable costs and seamless financial management with our flat rate cannabis banking services, designed to support the unique needs of your business.
- [Merchant Services](https://www.herringbank.com/business-banking/merchant-services/) - Business BankingBusiness servicesManaging your business is hard enough, managing your money doesn’t have to be. Open an Account or call +1 877-540-8053 As a small business who had worked with big banks in the past, I wasn’t used to the level of customer service Herring Bank provided. They treated me like a lifelong friend –
- [Merchant Processing](https://www.herringbank.com/business-banking/merchant-processing/) - Streamline your business transactions with Herring Bank's reliable merchant processing services. Enjoy secure payment solutions and competitive rates.
- [Merchant Processing Get Started](https://www.herringbank.com/business-banking/merchant-processing/get-started/) - Merchant ProcessingOpen a Merchant Processing Account with Herring BankShare your unique business requirements, and we’ll assist you in identifying the most suitable products and pricing plans. Open an AccountFill out the form to get started or Give us a call. 1-877-540-8053 Herring Bank – Merchant Processing Team Ways to get a hold of the merchant
- [Banking for ATM Businesses](https://www.herringbank.com/business-banking/banking-for-atm-businesses/) - Banking and processing solutions for ATM businesses. Get specialized ATM accounts, vault cash, nationwide armored carrier support, virtual vault access, and full-service ATM transaction processing. Scale your ATM route with one trusted partner.
- [Online & Mobile](https://www.herringbank.com/personal-banking/online-banking/) - Personal BankingOnline & mobile bankingDo most of your banking online without ever needing to visit a branch – anytime, from anywhere. Get quick & easy access with our mobile banking app App Store Play Store Online banking login: I’m a student | I’m a new user | I’m a new business Easy access whenever, wherever
- [Wealth Management Team](https://www.herringbank.com/wealth-management/wealth-management-team/) - Our wealth management teamYou can go anywhere for investment advice. People choose us because…We provide personalized investment solutions, deliver measurable results on a consistent basis, and strive to develop a trusted partnership you can bank on. Meet with an advisorStart a conversationor call 1.888.248.1991 Investment products are not insured by the FDIC, are not deposits,
- [Tyler Durham](https://www.herringbank.com/mortgage/tyler-durham/) - Mortgage financing is not a one size fits all!Home purchase, refinance, construction, home equity loan – My name is Tyler Durham and I’d be happy to help you! Use my rate calculator and crunch your numbersMeet with Tyler DurhamGet pre-approved onlineor call me at 1-214-263-3292 × Fill out the form & click submit. Then, scroll
- [Checking & Savings](https://www.herringbank.com/personal-banking/personal-checking-account/) - Personal BankingPersonal checking and savingsManage your finances with ease by opening a checking & savings account! Choose from several account options that best fits YOUR lifestyle. Create an accountSchedule a visitor call 1.866.348.3435 All of our checking accounts include:Included:– Debit card – Online banking – Online bill payment How to get a personal checking account:You
- [2025 Government Shutdown Relief](https://www.herringbank.com/newsroom/2025-government-shutdown-relief/) - Are you affected by the government shut down?Herring Bank is here to help!If you are not receiving a paycheck from your government employer, we are offering...
- [Herring Bank’s COVID-19 Response](https://www.herringbank.com/newsroom/covid-19/) - Herring Bank’s COVID-19 Response Our Covid-19 ResponseCOVID-19 ScamsIn response to COVID-19, we have adjusted our branch operations temporarilyOver the past weeks we have taken steps to provide all team members, but especially our front line retail team members with every protective precaution. Precautions such as, masks, teller line shields, social distancing, team member rotations, hand
- [Home Loans for Marijuana Business Owners](https://www.herringbank.com/mortgage/home-loans-for-marijuana-business-owners/) - Herring Bank now offers a dedicated home loan program built specifically for MRB owners in Texas, Colorado, and Oklahoma.
- [Mortgage Application](https://www.herringbank.com/mortgage/mortgage-application/) - Herring Bank’s online mortgage applicationAre you ready to fill out an online application?Do you have your income information from a recent W-2 available? What about your monthly expenses information? Start the ProcessGet Started Onlineor call 1.866.348.3435 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5 with 20+ reviews 4.0
- [Mortgage Payment Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/mortgage-payment-calculator/) - Mortgage payment calculatorGet a quick estimate of your mortgage payment. Talk with a lenderStart a conversationor call:+1-214-225-3166 Mortgage payment calculatorThis mortgage cost calculator provides a quick estimate of your mortgage payment. First, enter the amount of your loan. Then, enter the interest rate and loan term. Click “calculate” to see the estimated monthly payment and
- [Texas Mortgage Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/texas-mortgage-calculator/) - Calculate your Texas mortgage payment with taxes & insurance. Compare FHA, VA, Conventional. Apply online with Herring Bank.
- [Thank You](https://www.herringbank.com/thank-you/) - Success! We received your message.Thank you for contacting us. We will get in touch with you shortly. Here are some of our most popular contact details if you’d like to call or email us directly. Contact our headquartersCorporate Office 1.806.677.7000 Customer Service 1.866.348.3435 customerservice@herringbank.com Corporate Office Mailing Address 2201 Civic Circle Amarillo, TX 79109 Contact
- [Contact Us / Support](https://www.herringbank.com/about-herring-bank/customer-support/) - How can we help you today?Contact us for any reason. Scroll down for a few quick references that might get you the help you need even faster. Don’t have time to wait?Request a callbackWe’ll call you back within 1 business day About Herring BankContact UsCareersBanking ResourcesContact usCorporate Office 1.806.677.7000 Customer Service 1.866.348.3435 customerservice@herringbank.com Corporate Office
- [Careers](https://www.herringbank.com/about-herring-bank/careers/) - Join our teamFind a new career, not just a new job About Herring BankContact UsCareersBanking ResourcesEmployee BenefitsWhy work for Herring Bank?Looking for a place where you can make a difference? There are many reasons to work at Herring Bank and these are just a few of them. Great Benefits Community Reinvestment Compensated for Employee Referrals
- [Boston Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/boston/) - Your Boston Cannabis BankBoston Cannabis BankingDiscover the best cannabis and CBD banking in Boston with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingIn the vibrant city of Boston, Massachusetts, the cannabis industry is experiencing substantial growth,
- [Michigan Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/michigan/) - Your Michigan Cannabis BankMichigan Cannabis Banking Grow your enterprise with marijuana banking in Michigan. Herring Bank stands as one of the country’s leading cannabis banks, celebrated for its expertise and commitment to assisting cannabis-related businesses. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Banking Solutions for Michigan Cannabis
- [Massachusetts Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/massachusetts/) - Massachusetts Cannabis Banking designed specifically for the cannabis sector in Massachusetts services including secure deposit accounts, efficient cash handling strategies.
- [Albuquerque Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/albuquerque/) - Your Albuquerque Cannabis BankAlbuquerque Cannabis BankingDiscover the best cannabis and CBD banking in Albuquerque with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Albuquerque Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Albuquerque is designed specifically to meet the
- [Colorado Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/colorado/) - Colorado cannabis businesses: Get reliable banking solutions with Herring Bank. Contact us today to learn more about our Cannabis banking services.
- [Missouri Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/missouri/) - Missouri Cannabis Banking Discover top-tier banking solutions for Cannabis and CBD businesses in Missouri with Herring Bank, a leader in the cannabis banking sector. Herring Bank’s dedication to innovation and exceptional customer service makes it an essential financial ally for your business’s expansion and prosperity in this evolving market. Ready to get started?Call Now
- [Herring Bank’s Mobile Direct Privacy Notice](https://www.herringbank.com/privacy-policy-mobile-direct/) - Herring Bank’s Mobile Direct Privacy Notice
- [Herring Bank’s Electronic Communication Policy](https://www.herringbank.com/electronic-communication/) - Herring Bank’s ELECTRONIC COMMUNICATION DISCLOSURE AND CONSENT POLICY Last Updated: April 21, 2025 HERRING BANK ACH PAYMENT PLATFORM ELECTRONIC COMMUNICATION DISCLOSURE AND CONSENT Please review this document carefully and print a copy for your reference. This Herring Bank ACH Payment Platform Electronic Communication Disclosure and Consent (this “Disclosure”) applies to all communications for those
- [Rex Dobrinski](https://www.herringbank.com/mortgage/rex-dobrinski/) - Mortgage financing is not a one size fits all!Home purchase, refinance, construction, or a home equity loan… I’m here to help you! I’m ready to get pre-approved nowor use my rate calculator and crunch your numbers Your story is unique with specific needs that define your financial situation. With over 25 year’s mortgage experience, I
- [Azle Branch](https://www.herringbank.com/branches/azle-branch/) - Explore mortgage options, business banking solutions, and checking accounts with Azle, TX at Herring Bank. Tailored financial services to meet your needs.
- [How to Deposit a Check with the Herring Bank Mobile App](https://www.herringbank.com/about-herring-bank/customer-support/how-to-deposit-a-check-with-the-herring-bank-mobile-app/) - Step-by-step instructions on how to deposit a check with Herring Bank’s mobile app. Learn what to fill out, how to take check photos, and how to submit securely.
- [How to Remotely Deposit Checks](https://www.herringbank.com/about-herring-bank/customer-support/how-to-remotely-deposit-checks/) - Deposit checks anytime, anywhere with Herring Bank’s Mobile Remote Deposit Capture. It’s fast, secure, and gives you quicker access to your funds, all from your smartphone.
- [Get A Mortgage In Colorado](https://www.herringbank.com/mortgage/colorado/) - Explore mortgage options in Colorado including Conventional, FHA, VA, and HELOC loans. Get expert guidance, flexible terms, and local support.
- [Refinance Your Texas Mortgage](https://www.herringbank.com/refinance-your-texas-mortgage/) - Refinance your Texas mortgage to lower your rate, reduce monthly payments, or access equity. Explore smart options tailored to your financial goals.
- [Get A Mortgage In Texas](https://www.herringbank.com/get-a-mortgage-in-texas/) - Explore mortgage options in Texas including Conventional, FHA, VA, and HELOC loans. Get expert guidance, competitive rates, and flexible solutions.
- [Hemp Banking Iowa](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-iowa/) - Discover specialized hemp banking in Iowa with Herring Bank. Offering secure accounts, cash management, and compliance tailored to the hemp and CBD industry.
- [Hemp Banking Mississippi](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-mississippi/) - Hemp Banking SolutionsHemp Banking MississippiPartner with Herring Bank for top-tier hemp and CBD banking services in Mississippi! We’re dedicated to supporting your business growth in the Magnolia State with customized financial solutions designed for this thriving industry. Whether you’re cultivating hemp, producing CBD products, or operating a retail store, our expertise will help your business
- [Hemp Banking Florida](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-florida/) - Herring Bank offers specialized hemp and CBD banking services in Florida. Tailored financial solutions for growers, processors, and retailers. Secure, compliant, and reliable.
- [CBD Banking](https://www.herringbank.com/business-banking/cbd-banking/) - Discover tailored CBD banking solutions with Herring Bank. From specialized accounts to 24/7 digital tools, we support the unique needs of CBD businesses.
- [Hemp Banking Texas](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-texas/) - Herring Bank offers secure banking solutions for Texas hemp & CBD businesses. 24/7 online banking, compliant accounts, & growth support.
- [Hemp Banking](https://www.herringbank.com/business-banking/hemp-banking/) - Explore Herring Bank's Hemp Banking solutions, designed to support hemp businesses with specialized accounts, secure cash management, and 24/7 online tools.
- [Jersey City Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/jersey-city/) - Your Jersey City Cannabis BankJersey City Cannabis BankingDiscover the best cannabis and CBD banking in Jersey City with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Jersey City Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Jersey City
- [Fort Worth, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/fort-worth/) - Fort Worth VA Loans: $0 Down, No PMI, Fast Approvals. Serving Tarrant County Veterans & NAS Fort Worth JRB. Call 1-214-225-3166 Today!
- [Washington Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/washington-state/) - Herring Bank has a leading Cannabis Banking Program in Washington State, a specialized bank account for Cannabis Businesses supporting compliant banking.
- [SAFE Banking Act & Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/safe-banking-act/) - Your Go-To Cannabis BankSAFE Banking Act & Cannabis BankingReady to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back The Safe Banking Act Explained: The Safe Banking Act, formally known as the Secure and Fair Enforcement Banking Act of 2023, stands as a pivotal piece of legislation designed to bridge the
- [Arkansas Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/arkansas/) - Arkansas Cannabis BankingDiscover Herring Bank’s Premier Banking Solutions for Cannabis and CBD Businesses in The Bear State. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Discover Arkansas Cannabis Banking Solutions Explore Herring Bank’s Cannabis Banking services in Arkansas, designed to meet the specific needs of the state’s growing
- [Minnesota Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/minnesota/) - Minnesota Cannabis Banking for Cannabis Dispensaries, Banking for Cannabis Retailers, CBD Banking and more. Open an account today!
- [Alaska Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/alaska/) - Your Alaska Cannabis BankAlaska Cannabis Banking Explore top-tier cannabis and CBD banking solutions in Alaska with Herring Bank, one of the leading banks in the cannabis sector. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingHerring Bank’s Cannabis Banking initiative in Alaska is custom-built to
- [Austin, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/austin/) - Explore VA home loan options in Austin, TX with Herring Bank. Get 0% down, no PMI, fast pre-approvals, and expert guidance for veterans and military families.
- [Mesquite Home Loans](https://www.herringbank.com/mortgage/home-loan/mesquite-home-loans/) - Mortgage & RefinancingYour source for a home loan in Mesquite, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/) - Texas VA Loans: Discover eligibility for military borrowers, key advantages like $0 down, and important limitations. See if you qualify today.
- [Dallas](https://www.herringbank.com/mortgage/dallas/) - Discover premier mortgage solutions in Dallas with Herring Bank, a trusted lender committed to helping you find the perfect home financing options.
- [San Antonio Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/san-antonio/) - Explore how veterans and military families in San Antonio can buy or refinance a home using a VA loan. Learn about eligibility, credit requirements, top lenders like Herring Bank, and step-by-step guidance.
- [Colorado Springs VA Loans](https://www.herringbank.com/mortgage/va-home-loans/colorado/colorado-springs/) - Explore the benefits of Colorado Springs VA loans with Herring Bank. Enjoy no down payment, lower rates, and flexible credit requirements. Apply online today!
- [VA Loans Colorado](https://www.herringbank.com/mortgage/va-home-loans/colorado/) - Buy your Colorado home with a VA Loan: $0 down payment, no PMI, and competitive rates for veterans, active-duty military, and eligible spouses. Fast pre-approval & local expertise. Apply today!
- [Corpus Christi, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/corpus-christi/) - Learn how veterans and military families in Corpus Christi, TX can use a VA loan to buy or refinance a home. Discover eligibility rules, local lenders like Herring Bank, and step-by-step guidance.
- [Arizona Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/arizona/) - Enjoy predictable costs and seamless financial management with our flat rate cannabis banking services, designed to support the unique needs of your Arizona cannabis business.
- [Amarillo Branch](https://www.herringbank.com/branches/amarillo-branch/) - Explore mortgage options, business banking solutions, and checking accounts with Amarillo, TX at Herring Bank. Tailored financial services to meet your needs.
- [El Paso, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/el-paso/) - Discover VA home loan options in El Paso, TX with Herring Bank. No PMI, fast closings, and expert support for Fort Bliss military families and El Paso veterans.
- [Dallas, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/dallas/) - Explore VA home loan options in Dallas, TX with Herring Bank. No PMI, fast closings, and personalized support for Texas veterans and active-duty military.
- [Houston, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/houston/) - VA Home Loans in Houston: $0 Down, Fast Closings & No PMI. Serving Fort Sam Houston, Ellington Field & NASA. Call 1-214-225-3166 for Texas Veteran Benefits!
- [Laredo, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/laredo/) - Secure your Laredo home with Herring Bank’s VA, FHA, and USDA loans. Local expertise, 28-day closings, and $0 down options for veterans. Get pre-approved today!
- [Garland, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/garland/) - Secure your Garland home with Herring Bank’s VA, FHA, and USDA loans. Local expertise, 28-day closings, and $0 down for veterans. Call 1-214-225-3166 to get pre-approved!
- [Wichita Falls, Texas VA Loans](https://www.herringbank.com/mortgage/va-home-loans/texas/wichita-falls/) - Secure $0 Down VA Home Loans in Wichita Falls. Fast approvals, no PMI, and Texas veteran benefits. Sheppard AFB-approved. Call 1-214-225-3166 now!
- [Garland](https://www.herringbank.com/mortgage/garland/) - Looking for a trusted mortgage lender in Garland, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Refund Choice](https://www.herringbank.com/campus-solutions/refund-choice/) - Faster Tuition Refunds = Happier College Students. Get started today with Refund Choice by Herring Bank.
- [FHA Loans in Texas](https://www.herringbank.com/mortgage/mortgage-services/fha-loans-in-texas/) - HomeHome LoansMortgage ServicesFHA Loans in TexasFHA Loans in TexasWritten by: Courtney JohnsonJuly 7, 20266-MINUTE-READWhat is an FHA Loan? An FHA loan is a type of mortgage backed by the Federal Housing Administration (FHA). This arrangement means that the federal government provides insurance to lenders approved by the FHA, which helps protect them from losses if
- [Denton FHA Loans](https://www.herringbank.com/mortgage/fha-loan/denton/) - Looking for an FHA loan in Denton, TX? Herring Bank offers low down payments, flexible credit requirements, and competitive rates to help you buy a home.
- [Lawton](https://www.herringbank.com/mortgage/lawton/) - Looking for a trusted mortgage lender in Lawton, OK? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Broken Arrow](https://www.herringbank.com/mortgage/broken-arrow/) - Looking for a trusted mortgage lender in Broken Arrow, OK? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Wichita Falls](https://www.herringbank.com/mortgage/home-loan/wichita-falls-home-loans/) - Secure your dream home with Herring Bank’s Wichita Falls home loans. As a trusted Wichita Falls mortgage lender, we offer FHA, VA, USDA, and conventional loans. Start today!
- [San Antonio](https://www.herringbank.com/mortgage/san-antonio/) - Looking for a trusted mortgage lender in San Antonio, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Mortgage Refinance](https://www.herringbank.com/mortgage/refinance/) - Refinance your mortgage to lower your interest rate, reduce monthly payments, or tap into your homes equity through cash-out refinancing with Herring Bank
- [Mortgage Loan Types](https://www.herringbank.com/mortgage/loan-types/) - Discover the different types of mortgage loans available, including conventional, FHA, VA, Jumbo, and USDA options.
- [Tulsa](https://www.herringbank.com/mortgage/tulsa/) - Looking for a trusted mortgage lender in Tulsa, OK? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Houston](https://www.herringbank.com/mortgage/houston/) - Your top choice in Houston, TX for mortgage refinancing. Specializing in FHA, VA, USDA, and more Competitive rates and affordable fees – Apply online today.
- [Abilene Home Loans](https://www.herringbank.com/mortgage/home-loan/abilene-home-loans/) - Your Abilene Mortgage LenderAbilene Home LoansExplore expert mortgage advice for buying or refinancing in Abilene, Texas, with Herring Bank’s personalized and comprehensive services. Apply to buy a home Apply to refinance Call Now +1-214-225-3166 Abilene Mortgage Rates 30 Year Conventional, 15 Year Conventional, FHA, VA, USDA Home Loans Purchase Rate (APR) Mortgage Type Call for
- [Home Loan Solutions in Colorado Springs](https://www.herringbank.com/mortgage/home-loan/colorado-springs/) - Looking for the best Colorado Springs home loans? As a trusted Colorado Springs mortgage lender, we offer competitive rates and personalized solutions for your dream home.
- [Clarendon FHA Loans](https://www.herringbank.com/mortgage/fha-loan/clarendon/) - Looking for an FHA loan in Clarendon, TX? Herring Bank offers low down payments, flexible credit requirements, and competitive rates to help you buy a home.
- [Mortgage Calculators](https://www.herringbank.com/mortgage/mortgage-calculators/) - Play with the numbersMortgage and refinance loan calculatorsWhat would happen if you paid an extra $100 per month on your home loan? Use one of our loan calculators and find out! Talk with a lenderStart a conversationor call +1-214-225-3166 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5 with
- [Home Loans](https://www.herringbank.com/mortgage/home-loan/) - Discover Herring Bank's home loan options tailored to your needs. Whether buying or refinancing, our mortgage solutions offer competitive rates and support
- [Home Loans](https://www.herringbank.com/mortgage/) - Discover Herring Bank Home Loans – personalized service, competitive rates, and tailored solutions to make your dream home a reality. Start your journey today!
- [Mortgage Contact](https://www.herringbank.com/mortgage/contact-mortgage/) - Contact the mortgage departmentWe’d love to help you with your home buying journeyWhether you have a simple question or you’re ready to get started on applying for a loan, we’re making it easy for you to contact us. Apply to buy a home Call Now +1-214-225-3166 The mortgage department at Herring Bank was amazing! They
- [Hospitality Lending](https://www.herringbank.com/hospitality-lending/) - Herring Bank specializes in hotel financing solutions—SBA 504/7a loans, CMBS financing, construction loans, & refinancing. For owners, developers, and operators
- [Hospitality Lending Dallas](https://www.herringbank.com/hospitality-lending/texas/dallas/) - Get expert-backed hotel financing in Dallas with Herring Bank. Flexible loans for acquisitions, construction, renovations, and refinancing. Local expertise.
- [Hospitality Lending Austin](https://www.herringbank.com/hospitality-lending/texas/austin/) - Discover flexible hospitality lending solutions in Austin with Herring Bank. From construction to refinancing, we support hotel owners and developers.
- [Hospitality Lending Fort Worth](https://www.herringbank.com/hospitality-lending/texas/fort-worth/) - Explore flexible hospitality lending solutions in Fort Worth with Herring Bank. From construction to refinancing, we support hotel owners and developers.
- [Hospitality Lending Texas](https://www.herringbank.com/hospitality-lending/texas/) - Discover tailored hospitality lending solutions in Texas with Herring Bank. From hotel acquisitions to construction and renovations, we offer local expertise to help your business thrive.
- [Hospitality Lending Oklahoma](https://www.herringbank.com/hospitality-lending/oklahoma/) - Reliable hospitality lending in Oklahoma from Herring Bank. Tailored financing solutions for hotel owners, developers, and operators. Get started today!
- [Hospitality Lending Colorado](https://www.herringbank.com/hospitality-lending/colorado/) - Herring Bank offers tailored hospitality loans for Colorado, providing flexible financing for construction, renovations, and refinancing.
- [Hospitality Lending Application](https://www.herringbank.com/hospitality-lending/preliminary-application/) - Apply for hospitality lending with Herring Bank. Get tailored financing solutions for hotels, motels, and hospitality properties with expert support every step of the way.
- [Cedar Park FHA Loans](https://www.herringbank.com/mortgage/fha-loan/cedar-park/) - Looking for an FHA loan in Cedar Park, TX? Herring Bank offers low down payment options, flexible credit requirements, and competitive rates.
- [Cypress FHA Loans](https://www.herringbank.com/mortgage/fha-loan/cypress/) - Looking for an FHA loan in Cypress, TX? Herring Bank offers low down payments, flexible credit requirements, and competitive rates to help you buy a home.
- [Frisco FHA Loans](https://www.herringbank.com/mortgage/fha-loan/frisco/) - Looking for an FHA loan in Frisco, TX? Herring Bank offers low down payments, flexible credit requirements, and competitive rates to help you buy a home.
- [Lubbock FHA Loans](https://www.herringbank.com/mortgage/fha-loan/lubbock/) - Looking for an FHA loan in Lubbock? Herring Bank offers low down payments, flexible credit requirements, and competitive rates to help you achieve homeownership. Apply today!
- [Cash Out Refinance](https://www.herringbank.com/mortgage/cash-out-refinance/) - A cash-out refinance lets homeowners access their home equity for large expenses or debt consolidation while adhering to the state's 80% loan-to-value cap.
- [Jumbo Loans](https://www.herringbank.com/mortgage/jumbo-loans/) - Jumbo loans provide flexible financing for high-value properties, offering loan amounts above conventional limits with competitive rates for luxury homes
- [VA Loans](https://www.herringbank.com/mortgage/va-home-loans/) - VA loans offer veterans and service members zero down payment, no PMI, and competitive rates, providing an affordable path to homeownership.
- [Reverse Mortgage](https://www.herringbank.com/mortgage/reverse/) - Unlock tax-free cash from your home’s equity with a reverse mortgage for homeowners 62+. Explore eligibility and options to see if it’s the right fit for you.
- [Refinancing Services](https://www.herringbank.com/mortgage/refinancing-services/) - Refinancing your mortgageLower your monthly payments. Pay your loan off faster. Change your loan terms.Whatever your reason, we’re here to help you get the best rate and term for you. Get pre-approvedApply Onlineor call 1.866.236.4779 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5 with 20+ reviews 4.0 of
- [Mortgage Services](https://www.herringbank.com/mortgage/mortgage-services/) - Get a new mortgageGet a home loan & a partner to help you every step of the way.Buying a home can be a process. We’re here for more than just the numbers, we’re here to help. Get pre-approvedApply Onlineor call 1.866.236.4779 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of
- [Homebuyer Wish List](https://www.herringbank.com/mortgage/homebuyer-wish-list/) - Get the Homebuyer Wish List worksheet Download the homebuyer wish list worksheet Shopping for your dream home? Use this handy worksheet to gather notes and compare the homes you visit to make the best decision for your home buying needs! Download the worksheetApply OnlineWith a home still not sold in Oklahoma and a very hot
- [Norman](https://www.herringbank.com/mortgage/norman/) - Discover Herring Bank a trusted mortgage lender in Norman, OK. We offer USDA, FHA, and VA loans with competitive rates and personalized service.
- [Today's Rates](https://www.herringbank.com/mortgage/todays-mortgage-rates/) - Today’s ratesCompare your mortgage optionsAre you going to stay in your house long or short term? Do you have a large down payment or no? Are you military? Find which loan is best for you. Get pre-approvedApply Onlineor call 1.866.236.4779 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5
- [Fort Worth FHA Loans](https://www.herringbank.com/mortgage/fha-loan/fort-worth/) - Discover the benefits of FHA loans in Fort Worth! Enjoy low 3.5% down payments, flexible credit requirements, and support for first-time buyers.
- [FHA Loans in Amarillo | First Time Home Buyers](https://www.herringbank.com/mortgage/fha-loan/amarillo/) - Secure your dream home with FHA loans in Amarillo. Take advantage of low 3.5% down payments, flexible credit criteria, and budget-friendly options designed for first-time buyers.
- [FHA Loans in Dallas | First Time Home Buyers](https://www.herringbank.com/mortgage/fha-loan/dallas/) - Secure your dream home with Dallas FHA loans. Enjoy low 3.5% down payments, flexible credit requirements, and affordable options for first-time buyers.
- [FHA Loans in Texas | First Time Home Buyers](https://www.herringbank.com/mortgage/fha-loan/texas/) - Discover why Herring Bank is the trusted choice for FHA loans in Texas. Enjoy personalized service, fast approvals, and expert guidance to secure your dream home
- [FHA Loans](https://www.herringbank.com/mortgage/fha-loan/) - Interested in a government-backed mortgage with more flexible eligibility standards? Discover more about FHA loans, their requirements, and whether they’re the right fit for your needs.
- [Herring Bank’s Library](https://www.herringbank.com/library/) - Herring Bank’s Document Library Document LibraryWelcome to Herring Bank’s Document Library. Below, you’ll find a list of departments/financial products and the documents associated with each. Departments/Financial Products GrizzPay Privacy Document User Document Electronic Communication Document Account Document PLACEHOLDER PLACEHOLDER Last updated: March 2025
- [GrizzPay](https://www.herringbank.com/library/grizzpay/) - GrizzPay Documents Privacy Document – PDF DownloadLorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent convallis, magna at malesuada varius, urna nulla gravida neque, et tincidunt nunc metus non lorem. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; Integer pretium ligula et sem suscipit, in luctus nibh fermentum. Donec ac
- [California Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/california/) - Herring Bank specializes in cannabis banking for California businesses. Explore compliant checking, tax payments, and cash management. Call +1-877-873-0079.
- [South Dakota Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/south-dakota/) - Herring Bank offers compliant hemp & CBD banking in South Dakota. Secure accounts for growers and retailers. Grow confidently.
- [Bryan](https://www.herringbank.com/mortgage/bryan/) - Discover personalized mortgage solutions in Bryan, TX, with Herring Bank. We offer FHA, VA, USDA, and conventional loans to fit your unique needs.
- [Temple](https://www.herringbank.com/mortgage/temple/) - Discover personalized mortgage solutions in Temple, TX, with Herring Bank. We offer FHA, VA, USDA, and conventional loans to fit your unique needs.
- [Tyler](https://www.herringbank.com/mortgage/tyler/) - Discover tailored home loan solutions in Tyler, TX, with Herring Bank. From FHA and VA to USDA and conventional loans, we make homeownership easy.
- [Allen](https://www.herringbank.com/mortgage/allen/) - Discover personalized mortgage solutions in Allen, TX, with Herring Bank. We offer FHA, VA, USDA, and conventional loans to fit your unique needs.
- [Beaumont](https://www.herringbank.com/mortgage/beaumont/) - Discover personal mortgage solutions in Beaumont, TX, with Herring Bank. We offer FHA, VA, USDA, and conventional loans to fit your unique needs.
- [Odessa](https://www.herringbank.com/mortgage/odessa/) - Looking for a trusted mortgage lender in Odessa, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [College Station](https://www.herringbank.com/mortgage/college-station/) - Looking for a trusted mortgage lender in College Station, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Pearland](https://www.herringbank.com/mortgage/pearland/) - Looking for a trusted mortgage lender in Pearland, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Round Rock](https://www.herringbank.com/mortgage/round-rock/) - Looking for a trusted mortgage lender in Round Rock, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Carrollton](https://www.herringbank.com/mortgage/carrollton/) - Looking for a trusted mortgage lender in Carrollton, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Lewisville](https://www.herringbank.com/mortgage/lewisville/) - Looking for a trusted mortgage lender in Lewisville, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Midland](https://www.herringbank.com/mortgage/midland/) - Looking for a trusted mortgage lender in Midland, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Waco](https://www.herringbank.com/mortgage/waco/) - Searching for a reliable mortgage lender in Waco, TX? Herring Bank provides USDA, FHA, and VA loans, offering competitive rates and personalized service.
- [McAllen](https://www.herringbank.com/mortgage/mcallen/) - Looking for a trusted mortgage lender in McAllen, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Pasadena](https://www.herringbank.com/mortgage/pasadena/) - Looking for a trusted mortgage lender in Pasadena, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Mesquite](https://www.herringbank.com/mortgage/mesquite/) - Looking for a trusted mortgage lender in Mesquite, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Denton](https://www.herringbank.com/mortgage/denton/) - Looking for a trusted mortgage lender in Denton, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Killeen](https://www.herringbank.com/mortgage/killeen/) - Looking for a trusted mortgage lender in Killeen, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Brownsville](https://www.herringbank.com/mortgage/brownsville/) - Looking for a trusted mortgage lender in Brownsville, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Cypress](https://www.herringbank.com/mortgage/cypress/) - Looking for a trusted mortgage lender in Cypress, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Grand Prairie](https://www.herringbank.com/mortgage/grand-prairie/) - Discover premier mortgage solutions in Grand Prairie with Herring Bank, a trusted lender dedicated to helping you find the perfect home financing.
- [Amarillo](https://www.herringbank.com/mortgage/amarillo/) - Looking for a trusted mortgage lender in Amarillo, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [McKinney](https://www.herringbank.com/mortgage/mckinney/) - Looking for a trusted mortgage lender in McKinney, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Frisco](https://www.herringbank.com/mortgage/frisco/) - Looking for a trusted mortgage lender in Frisco, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Laredo](https://www.herringbank.com/mortgage/laredo/) - Looking for a trusted mortgage lender in Laredo, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Plano](https://www.herringbank.com/mortgage/plano/) - Looking for a trusted mortgage lender in Plano, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Corpus Christi](https://www.herringbank.com/mortgage/corpus-christi/) - Looking for a trusted mortgage lender in Corpus Christi, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Arlington](https://www.herringbank.com/mortgage/arlington/) - Looking for a trusted mortgage lender in Arlington, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [El Paso](https://www.herringbank.com/mortgage/el-paso/) - Looking for a trusted mortgage lender in El Paso, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Fort Worth](https://www.herringbank.com/mortgage/fort-worth/) - Looking for a trusted mortgage lender in Fort Worth, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Austin](https://www.herringbank.com/mortgage/austin/) - Looking for a trusted mortgage lender in Austin, TX? Herring Bank offers USDA, FHA, and VA loans with competitive rates and personalized service.
- [Allen Home Loans](https://www.herringbank.com/mortgage/home-loan/allen-home-loans/) - Mortgage & RefinancingYour source for a home loan in Allen, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Denton Home Loans](https://www.herringbank.com/mortgage/home-loan/denton-home-loans/) - Mortgage & RefinancingYour source for a home loan in Denton, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Vernon Home Loans](https://www.herringbank.com/mortgage/home-loan/vernon-home-loans/) - Mortgage & RefinancingYour source for a home loan in Vernon, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [El Paso Home Loans](https://www.herringbank.com/mortgage/home-loan/el-paso-home-loans/) - Mortgage & RefinancingYour source for a home loan in El Paso, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring
- [Midland Home Loans](https://www.herringbank.com/mortgage/home-loan/midland-home-loans/) - Mortgage & RefinancingYour source for a home loan in Midland, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Ft. Worth Home Loans](https://www.herringbank.com/mortgage/home-loan/ft-worth-home-loans/) - Mortgage & RefinancingYour source for a home loan in Ft. Worth, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring
- [Amarillo Home Loans](https://www.herringbank.com/mortgage/home-loan/amarillo-home-loans/) - Mortgage & RefinancingYour source for a home loan in Amarillo, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Carrollton Home Loans](https://www.herringbank.com/mortgage/home-loan/carrollton-home-loans/) - Mortgage & RefinancingYour source for a home loan in Carrollton, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Plano Home Loans](https://www.herringbank.com/mortgage/home-loan/plano-home-loans/) - Mortgage & RefinancingYour source for a home loan in Plano, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Richardson Home Loans](https://www.herringbank.com/mortgage/home-loan/richardson-home-loans/) - Mortgage & RefinancingYour source for a home loan in Richardson, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Frisco Home Loans](https://www.herringbank.com/mortgage/home-loan/frisco-home-loans/) - Mortgage & RefinancingYour source for a home loan in Frisco, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Arlington Home Loans](https://www.herringbank.com/mortgage/home-loan/arlington-home-loans/) - Mortgage & RefinancingYour source for a home loan in Arlington, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Grapevine Home Loans](https://www.herringbank.com/mortgage/home-loan/grapevine-home-loans/) - Mortgage & RefinancingYour source for a home loan in Grapevine, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Lubbock, TX Home Loans](https://www.herringbank.com/mortgage/home-loan/lubbock-home-loans/) - Looking for a trusted Lubbock mortgage lender? Get expert guidance and competitive rates for home loans in Lubbock TX Contact us today to secure your dream home
- [McKinney Home Loans](https://www.herringbank.com/mortgage/home-loan/mckinney-home-loans/) - Mortgage & RefinancingYour source for a home loan in McKinney, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Dallas Home Loans](https://www.herringbank.com/mortgage/home-loan/dallas-home-loans/) - Mortgage & RefinancingYour source for a home loan in Dallas, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Lewisville Home Loans](https://www.herringbank.com/mortgage/home-loan/lewisville-home-loans/) - Mortgage & RefinancingYour source for a home loan in Lewisville, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Weatherford Home Loans](https://www.herringbank.com/mortgage/home-loan/weatherford-home-loans/) - Mortgage & RefinancingYour source for a home loan in Weatherford, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Irving Home Loans](https://www.herringbank.com/mortgage/home-loan/irving-home-loans/) - Mortgage & RefinancingYour source for a home loan in Irving, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Flower Mound Home Loans](https://www.herringbank.com/mortgage/home-loan/flower-mound-home-loans/) - Mortgage & RefinancingYour source for a home loan in Flower Mound, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring
- [Garland Home Loans](https://www.herringbank.com/mortgage/home-loan/garland-home-loans/) - Mortgage & RefinancingYour source for a home loan in Garland, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Grand Prairie Home Loans](https://www.herringbank.com/mortgage/home-loan/grand-prairie-home-loans/) - Mortgage & RefinancingYour source for a home loan in Grand Prairie, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring
- [Seymour Home Loans](https://www.herringbank.com/mortgage/home-loan/seymour-home-loans/) - Mortgage & RefinancingYour source for a home loan in Seymour, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Azle Home Loans](https://www.herringbank.com/mortgage/home-loan/azle-home-loans/) - Mortgage & RefinancingYour source for a home loan in Azle, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Clarendon Home Loans](https://www.herringbank.com/mortgage/home-loan/clarendon-home-loans/) - Mortgage & RefinancingYour source for a home loan in Clarendon, TXWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Altus Home Loans](https://www.herringbank.com/mortgage/home-loan/altus-home-loans/) - Mortgage & RefinancingYour source for a home loan in Altus, OKWhether this is your first home purchase or your tenth, we’re here for you every step of the way. We want to make this process rewarding. Apply Onlineor call +1 214-225-3166 This was our third house to buy and our first time using Herring Bank.
- [Kansas Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/kansas/) - Explore specialized banking solutions for Kansas hemp and CBD businesses with Herring Bank. Secure accounts, online banking, and cash management.
- [Hemp Banking Minnesota](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-minnesota/) - Secure banking for Minnesota hemp & CBD businesses. 24/7 online banking, compliant accounts, & growth support from Herring Bank.
- [Hemp Banking Wisconsin](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-wisconsin/) - Herring Bank offers specialized hemp and CBD banking in Wisconsin. Financial solutions for growers, processors, and retailers. Secure, compliant, and reliable.
- [Hemp Banking North Carolina](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-north-carolina/) - Discover specialized hemp banking in North Carolina with Herring Bank. Secure accounts, cash management, and compliance support tailored for the hemp industry.
- [Minneapolis Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/minneapolis/) - Explore tailored financial solutions for the Cannabis industry from Herring Bank serving Minneapolis Cannabis enterprises with Banking services.
- [Maryland Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/maryland/) - Secure reliable cannabis banking solutions in Maryland with Herring Bank. Manage your CRB finances with tailored services and compliance-focused expertise.
- [Hemp Banking Colorado](https://www.herringbank.com/business-banking/cannabis-banking/hemp-banking-colorado/) - Discover specialized hemp banking in Colorado with Herring Bank. Secure accounts, cash management, and compliance support tailored to the hemp and CBD industry.
- [Wealth Management Resources](https://www.herringbank.com/wealth-management-resources/) - Resources to make you a better informed investorTalk with a lenderStart a conversationor call 1.888.248.1991 Investment products are not insured by the FDIC, are not deposits, and may lose value. Know what we knowResources for brand new investorsWhy you don’t need to be wealthy to need a wealth manager If you think that you must
- [Wealth Management Contact](https://www.herringbank.com/wealth-management/contact-wealth-management/) - Contact the wealth management departmentStart a conversation with a trust officer or wealth advisorWe want to learn about what’s important to you and devote our full attention toward achieving your goals. When it comes to dependability Herring Bank is always there with a high level of expertise and years of experience to meet all of
- [How it works](https://www.herringbank.com/wealth-management/wealth-management-process/) - Wealth management servicesThe Herring Bank approach to investment management and trust servicesWhether you’re seasoned, new, hands-on, or completely hands-off, you’ll get a tailored approach, plan, and total access to our wealth of experience. Meet with an advisorStart a conversationor call 1.888.248.1991 Investment products are not insured by the FDIC, are not deposits, and may lose
- [Wealth Management Services](https://www.herringbank.com/wealth-management/wealth-management-services/) - Wealth management servicesGet personalized, local wealth management and financial planning.Our wide range of financial services will be tailored to your individual needs and unique goals. Meet with an advisorStart a conversationor call 1.888.248.1991 Investment products are not insured by the FDIC, are not deposits, and may lose value. We specialize in Personal Trusts ServicesInvestment Management
- [Wealth Management](https://www.herringbank.com/wealth-management/) - Wealth management servicesManaging your investments & other assets is personalWhether you’re a business owner, executive, farmer, professional, or retiree, get a personalized plan from our team of experts to help you every step of the way. Start a conversationor call 1.888.248.1991 I will be forever grateful to the wealth management department for their guidance and
- [Chris Godwin](https://www.herringbank.com/mortgage/chris-godwin/) - Mortgage financing is not a one size fits all!Home purchase, refinance, construction, home equity loan – My name is Chris Godwin and I’d be happy to help you! Use my rate calculator and crunch your numbersMeet with Chris GodwinGet pre-approved onlineor call me at 1-214-244-1052 × Fill out the form & click submit. Then, scroll
- [Internal Mortgage Lead](https://www.herringbank.com/mortgage/internal-mortgage-lead/) - This form is for internal Herring Bank team membersSubmit mortgage leads generated in your branch. If you are not a Herring Bank representative and would like to connect with the Herring Bank Mortgage department, you can do so here: Contact the mortgage departmentSubmit a mortgage lead Corporate Mailing Office: 2201 Civic Circle, Amarillo, TX 79109
- [Campus Commerce Support New User Registration](https://www.herringbank.com/campus-solutions/campus-commerce-support-new-user-registration/) - Campus commerce supportNew users can register here for support Or call us at: 866-348-3435
- [Texas Conventional Loans](https://www.herringbank.com/mortgage/conventional-home-loans/) - Get flexible terms and competitive rates with a conventional home loan in Texas, ideal for buyers with good credit and low down payment options starting at 5%.
- [Opening a Bank Account for Your Cannabis Dispensary: A Complete Guide](https://www.herringbank.com/business-banking/cannabis-banking/cannabis-dispensary-bank-account/) - Learn how to open a cannabis bank account in simple steps: connect with a cannabis banking specialist, prepare required documents, and customize your account for success.
- [New Mexico Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/new-mexico/) - Discover Herring Bank's Cannabis Banking Program in New Mexico, tailored financial solutions, secure cash management, and 24/7 banking for cannabis businesses.
- [Report suspected fraud](https://www.herringbank.com/report-suspected-fraud/) - Report suspected fraudWe take the security of your account very seriously and have deployed several different strategies to protect your account. About Herring BankContact UsCareersBanking ResourcesNote: Herring Bank will never call and ask you for any account information. If you receive a call asking for details about your account do not provide any information. Hang-up
- [Gaye Crump](https://www.herringbank.com/mortgage/gaye-crump/) - Mortgage financing is not a one size fits all!Home purchase, refinance, construction, or a home equity loan… I’m here to help you! I’m ready to get pre-approved nowor use my rate calculator and crunch your numbersI am dedicated to helping homeowners find the best financing options available. Since 1985, I have been helping people with
- [College Campus Support](https://www.herringbank.com/campus-solutions/campus-commerce-support/) - We’re here for you!Get the College Green support you need! Student portal support request Or call us at: 866-348-3435 College staffAdmins, do you need to request support? (Student ID Printer [PIC Station], User Maintenance, Disbursements, Payment Plans, Closed Loop, ATMs, 1098-T) Registered usersOpen a support ticketNew Users:If you’re not already a registered user, you can
- [Business Contact](https://www.herringbank.com/business-banking/contact-business-banking/) - Contact the business banking departmentRequest a call from a business banking representativeWe take the time to get to know you, learn about what’s most important in your life and devote our full attention toward achieving your objectives. The staff at Herring Bank are so friendly! They always know my name and recognize me. We get
- [Online Payment Systems for Schools](https://www.herringbank.com/campus-solutions/online-payment-systems-for-schools/) - Higher education payment processingOnline Payment Systems for SchoolsMake transactions on the college campus simple, swift, and secure. Get startedAlready using College Green and need support? Get support here You’re in Good Company What can College Green do for your campus?Online Payment System At the core of the program’s success is its robust online payment system,
- [Personal Contact](https://www.herringbank.com/personal-banking/contact-personal-banking/) - Have a personal banking need?Request a call from a personal banking representativeWe take the time to get to know you, learn about what’s most important in your life and devote our full attention toward achieving your objectives. Herring Bank has been good to me for over a decade. They gave me a chance when no
- [Seymour Branch](https://www.herringbank.com/branches/seymour-branch/) - Explore mortgage options, business banking solutions, and checking accounts with Seymour at Herring Bank. Tailored financial services to meet your needs.
- [Vernon Branch](https://www.herringbank.com/branches/vernon-branch/) - Explore mortgage options, business banking solutions, and checking accounts in Vernon at Herring Bank. Tailored financial services to meet your needs.
- [Branch Clarendon](https://www.herringbank.com/branches/clarendon-branch/) - Explore mortgage options, business banking solutions, and checking accounts with at Herring Bank in Clarendon. Tailored financial services to meet your needs.
- [Colorado Springs Branch](https://www.herringbank.com/branches/colorado-springs-branch/) - Explore mortgage options, business banking solutions, and checking accounts in Colorado Springs at Herring Bank. Tailored financial services to meet your needs.
- [Altus | Herring Bank](https://www.herringbank.com/branches/altus-branch/) - Explore mortgage options, business banking solutions, and checking accounts with Altus at Herring Bank. Tailored financial services to meet your needs.
- [Edmond](https://www.herringbank.com/mortgage/edmond/) - Looking for a reliable mortgage lender in Edmond, OK? Herring Bank provides USDA, FHA, and VA loans with competitive rates and service to help meet your goals.
- [Oklahoma City](https://www.herringbank.com/mortgage/oklahoma-city/) - Oklahoma City, OK mortgage lender with low rates and in-house underwriting. FHA, VA, and USDA options available. Get prequalified online!
- [ARM Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/arm-calculator/) - Adjustable Rate Mortgage (ARM) calculatorShed some light on the possible payment results you may see over the life of your ARM. Talk with a lenderStart a conversationor call 1.866.236.4779 Adjustable Rate Mortgage (ARM) calculatorThis adjustable rate mortgage (ARM) calculator can help shed some light on the possible payment results you may see over the life
- [Delaware Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/delaware/) - Delaware Cannabis BankingDiscover Top-Tier Banking Solutions for Cannabis and CBD Enterprises in the Diamond State with Herring Bank, a Leading Cannabis Financial Institution. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back ATTENTION Marijuana Related Business Applicants: The Delaware Marijuana Licensing period is NOW OPEN. Discover Cannabis Banking Solutions
- [Amarillo Merchant Processing](https://www.herringbank.com/business-banking/merchant-processing/amarillo/) - Discover top-notch Amarillo merchant processing solutions with fast approvals and low rates. Enhance your business transactions with our secure and reliable payment processing services tailored for Amarillo merchants
- [Denver Merchant Processing](https://www.herringbank.com/business-banking/merchant-processing/denver/) - Herring Bank supports payment processing by helping small businesses accept credit card and eCheck payments online, in person, via mobile devices, and more.
- [Merchant Processing Support](https://www.herringbank.com/business-banking/merchant-processing/support/) - Merchant ProcessingGet expert supportOur dedicated support team is here to assist you with any issues or questions related to payment processing. Whether you’re setting up a new payment gateway or need help with existing services, our experts are ready to guide you every step of the way. Fill out the form to start a support
- [Colorado Springs Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/colorado-springs/) - Your Local Colorado Springs Cannabis BankColorado Springs Cannabis BankingDiscover the best cannabis and CBD banking in Colorado Springs with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingAt Herring Bank, we understand the unique needs of cannabis
- [Grand Rapids Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/grand-rapids/) - Your Grand Rapids Cannabis BankGrand Rapids Cannabis BankingDiscover the best cannabis and CBD banking in Grand Rapids with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Grand Rapids Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Grand Rapids
- [Alabama Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/alabama/) - Your Alabama Cannabis BankAlabama Cannabis BankingDiscover the best cannabis and CBD banking in Alabama with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingHerring Bank’s Cannabis Banking initiative is specifically designed to meet the unique needs of
- [Montana Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/montana/) - Your Montana Cannabis BankMontana Cannabis BankingExplore Cannabis and CBD banking in Montana with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Discover Montana Cannabis Banking Solutions Herring Bank’s Cannabis Banking program in Montana is meticulously crafted to address the
- [Portland Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/portland/) - Your Portland Cannabis BankPortland Cannabis BankingDiscover custom banking solutions for Cannabis and CBD businesses in Portland with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Portland Cannabis Banking Solutions Discover Herring Bank’s Cannabis Banking services in Portland, designed
- [Los Angeles Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/los-angeles/) - Your Los Angeles Cannabis BankLos Angeles Cannabis BankingDiscover Banking for Cannabis, CBD, Hemp, and Marijuana Companies in Los Angeles with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis Banking for Los AngelesHerring Bank’s Cannabis Banking program in
- [Tulsa Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/tulsa/) - Your Tulsa Cannabis BankTulsa Cannabis BankingDiscover Cannabis and CBD banking in Tulsa, Oklahoma with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Tulsa Cannabis Banking SolutionsHerring Bank’s Cannabis Banking Program, now available in Tulsa, Oklahoma, is specially designed
- [Oklahoma City Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/oklahoma-city/) - Your Oklahoma City Cannabis BankOklahoma City Cannabis BankingExplore premier banking solutions for Cannabis and CBD businesses in Oklahoma City at Herring Bank, known for being one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Oklahoma City Cannabis Banking SolutionsHerring Bank’s Cannabis
- [San Francisco Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/san-francisco/) - Your San Francisco Cannabis BankSan Francisco Cannabis BankingDiscover top-tier banking solutions for Cannabis and CBD businesses in San Francisco with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore San Francisco Cannabis Banking SolutionsExplore Herring Bank’s Cannabis Banking services
- [Scottsdale Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/scottsdale/) - Your Scottsdale Cannabis BankScottsdale Cannabis BankingDiscover the best Cannabis and CBD banking in Scottsdale with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Scottsdale Cannabis Banking SolutionsHerring Bank has meticulously tailored its Cannabis Banking Program for the unique
- [Phoenix Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/phoenix/) - Your Phoenix Cannabis BankPhoenix Cannabis BankingDiscover Cannabis and CBD friendly banking in Phoenix with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Phoenix Cannabis Banking SolutionsHerring Bank has strategically developed its Cannabis Banking Program to address the nuanced
- [Philadelphia Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/philadelphia/) - Your Philadelphia Cannabis BankPhiladelphia Cannabis BankingDiscover premier Cannabis and CBD banking in Philadelphia with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Philadelphia Cannabis Banking Solutions Herring Bank’s Cannabis Banking program in Philadelphia is specifically designed to cater
- [Clovis Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/clovis/) - Your Clovis Cannabis BankClovis Cannabis BankingDiscover the best Cannabis and CBD Banking in Clovis, NM with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Discover Clovis Cannabis Banking SolutionsHerring Bank has carefully designed its Cannabis Banking Program to meet the
- [Silver City Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/silver-city/) - Your Silver City Cannabis BankSilver City Cannabis BankingDiscover top-tier banking solutions for Cannabis and CBD businesses in Silver City, NM with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Silver City Cannabis Banking SolutionsExplore Herring Bank’s Cannabis Banking
- [Ann Arbor Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/ann-arbor/) - Your Ann Arbor Cannabis BankAnn Arbor Cannabis BankingExplore leading banking solutions for Cannabis and CBD enterprises in Ann Arbor, Michigan, with Herring Bank, one of the leading cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Ann Arbor Cannabis Banking SolutionsDiscover Herring Bank’s Cannabis Banking services
- [Illinois Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/illinois/) - Illinois Cannabis BankingExplore premier banking solutions for Cannabis and CBD enterprises in Illinois with Herring Bank, one of the leading cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Illinois Cannabis Banking SolutionsHerring Bank, emerging as a dedicated banking solution for cannabis-related businesses (CRBs) in Illinois, demonstrates
- [Orlando Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/orlando/) - Your Orlando Cannabis BankOrlando Cannabis BankingDiscover Cannabis friendly banking in Orlando, FL with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Orlando Cannabis Banking SolutionsThe financial landscape for cannabis enterprises in Orlando is as vibrant and multifaceted as
- [Oakland Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/oakland/) - Your Oakland Cannabis BankOakland Cannabis BankingDiscover the best Cannabis and CBD banking in Oakland with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Oakland Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Oakland is tailored to accommodate the
- [Gulfport Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/gulfport/) - Your Gulfport Cannabis BankGulfport Cannabis BankingDiscover the best cannabis and CBD banking in Gulfport with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Gulfport Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Gulfport is designed specifically to meet
- [Las Vegas Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/las-vegas-new-mexico/) - Your Las Vegas Cannabis BankLas Vegas Cannabis BankingDiscover top-tier banking solutions for Cannabis and CBD businesses in Las Vegas, NM with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Las Vegas, NM Cannabis Banking SolutionsDiscover Herring Bank’s Cannabis
- [San Diego Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/san-diego/) - Your San Diego Cannabis BankSan Diego Cannabis BankingDiscover premium banking solutions for Cannabis and CBD businesses in San Diego with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore San Diego Cannabis Banking SolutionsDiscover Herring Bank’s Cannabis Banking services
- [Nevada Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/nevada/) - Nevada Cannabis BankingFind expert Cannabis banking solutions in Nevada with Herring Bank, one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Banking for Cannabis Companies in Nevada Herring Bank has introduced a specialized Cannabis Banking program crafted to meet the unique needs of
- [Carlsbad Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/carlsbad/) - Your Carlsbad Cannabis BankCarlsbad Cannabis BankingDiscover top-tier banking solutions for Cannabis and CBD businesses in Carlsbad with Herring Bank, one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Carlsbad Cannabis BankingDiscover Herring Bank’s Cannabis Banking Program in Carlsbad, New Mexico, specially
- [Miami Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/miami/) - Your Miami Cannabis BankMiami Cannabis BankingExplore Cannabis, CBD, Hemp, & Marijuana banking in Miami with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Miami Cannabis Banking SolutionsThe banking landscape for the cannabis industry in Miami mirrors the city’s
- [Newark Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/newark/) - Your Newark Cannabis BankNewark Cannabis BankingExplore premier banking solutions for Cannabis and CBD businesses in Newark at Herring Bank, known for being one of the fastest growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Secure Newark Cannabis BankingDiscover Herring Bank’s Cannabis Banking services in Newark,
- [Jacksonville Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/jacksonville/) - Your Jacksonville Cannabis BankJacksonville Cannabis BankingDiscover the best cannabis and CBD banking in Jacksonville with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Jacksonville Cannabis BankingHerring Bank’s Cannabis Banking program in Jacksonville is meticulously crafted to address the specific
- [Santa Fe Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/santa-fe/) - Your Santa Fe Cannabis BankSanta Fe Cannabis BankingDiscover the best Cannabis and CBD Banking in Santa Fe, NM with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Santa Fe Cannabis Banking SolutionsHerring Bank’s Cannabis Banking Program in Santa Fe is
- [Flagstaff Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/flagstaff/) - Your Flagstaff Cannabis BankFlagstaff Cannabis BankingDiscover the best cannabis and CBD banking in Flagstaff with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Flagstaff Cannabis Banking Solutions Herring Bank’s Cannabis Banking program in Flagstaff is designed specifically to meet
- [Virginia Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/virginia/) - Virginia Cannabis BankingDiscover leading cannabis and CBD banking solutions in Virginia with Herring Bank, one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Virginia Cannabis Banking SolutionsIn Virginia, Herring Bank has introduced a specialized Cannabis Banking program tailored specifically for the unique
- [Oregon Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/oregon/) - Oregon Cannabis BankingDiscover top-tier cannabis and CBD banking in Oregon with Herring Bank, one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Oregon Cannabis Banking SolutionsIn Oregon, Herring Bank has introduced a specialized Cannabis Banking program tailored to cater to the distinctive
- [Las Cruces Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/las-cruces/) - Your Las Cruces Cannabis BankLas Cruces Cannabis BankingDiscover the best cannabis and CBD banking in Las Cruces with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Las Cruces Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Las Cruces
- [Connecticut Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/connecticut/) - Explore banking services tailored for Cannabis and CBD enterprises in the Nutmeg State with Herring Bank, a leader in cannabis banking
- [Baton Rouge Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/baton-rouge/) - Secure and Reliable Banking Solutions Tailored for Cannabis-Related Businesses in Baton Rouge, Louisiana. Cannabis Checking accounts and more!
- [Arvada Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/arvada/) - Banking Solutions for Cannabis and CBD Businesses in Arvada, Colorado. Enjoy predictable costs with our flat rate cannabis banking services
- [Farmington Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/farmington/) - Secure and Reliable Financial Solutions Tailored for Cannabis-Related Businesses in Farmington, New Mexico.
- [Espanola Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/espanola/) - Espanola Cannabis BankingHerring Bank’s Premier Banking Solutions for Cannabis and CBD Businesses in Española. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Discover Española Cannabis Banking Solutions Explore Herring Bank’s Cannabis Banking services in Española, designed to meet the unique needs of the city’s expanding cannabis industry. New
- [Billings Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/billings/) - Your Local Billings Cannabis BankBillings Cannabis BankingDiscover the best cannabis and CBD banking in Billings, Montana with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingIn Billings, Montana, the cannabis industry is witnessing significant growth, especially after
- [Vermont Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/vermont/) - Discover top-tier banking solutions for Cannabis and CBD businesses in the Green Mountain State with Herring Bank, a leading cannabis bank.
- [Kentucky Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/kentucky/) - Explore premier banking solutions for Cannabis and CBD enterprises in The Blue Grass state, with Herring Bank, one of the leading cannabis banks.
- [Detroit Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/detroit/) - Cannabis Banking for DetroitDetroit Cannabis BankingDiscover the best cannabis and CBD banking in Detroit with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Explore Detroit Cannabis Banking SolutionsHerring Bank’s Cannabis Banking program in Detroit is designed specifically to meet the
- [Buffalo Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/buffalo/) - Your Local Buffalo Cannabis BankBuffalo Cannabis BankingDiscover the best cannabis and CBD banking in Buffalo with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingHerring Bank’s Cannabis Banking program is specifically crafted to meet the unique needs
- [Bozeman Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/bozeman/) - Your Local Bozeman Cannabis BankBozeman Cannabis BankingDiscover the best cannabis and CBD banking in Bozeman with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingIn Bozeman, Montana, the cannabis industry is capitalizing on the statewide legalization of
- [Anaconda Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/anaconda/) - Your Local Anaconda Cannabis BankAnaconda Cannabis BankingDiscover the best cannabis and CBD banking in Anaconda with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingIn Anaconda, Montana, the cannabis industry has flourished, particularly after the state legalized
- [Albany Cannabis Banking](https://www.herringbank.com/business-banking/cannabis-banking/albany/) - Your Local Albany Cannabis BankAlbany Cannabis BankingDiscover the best cannabis and CBD banking in Albany with Herring Bank. We’re one of America’s fastest-growing cannabis banks. Ready to get started?Call Now Nationwide +1-877-873-0079 Call Now Local +1-719-470-2340 Request a call back Comprehensive Cannabis BankingHerring Bank’s Cannabis Banking initiative is specifically designed to address the nuanced needs
- [Does Herring sell or share my personal information? – Help](https://www.herringbank.com/privacy-policy-mobile-direct/personal-information/) - Does Herring sell or share my personal information? I noticed that Herring says it sells or shares my information. What does that mean? To view our privacy notice, visit Herring U.S. Privacy Notice. The California Consumer Privacy Act (CCPA), requires Herring to let you know that it may sell or share your personal information. However, the
- [Herring Bank’s privacy notice](https://www.herringbank.com/privacy-policy/) - Herring Bank’s privacy notice What does Herring Bank do with your personal information?Last updated: July 2023 Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal
- [Herring Bank Online Application Privacy and Security Policy](https://www.herringbank.com/herring-bank-online-application-privacy-and-security-policy/) - Herring Bank’s Mobile Privacy Policy Last updated: October 16, 2023 GeneralWe want you to understand the types of information we access, collect, use, store, and transfer (“Process”) through our mobile banking application (our “App”), including when you are using the App as well as when the App is running in the background. We may disclose
- [CannaCon New Mexico](https://www.herringbank.com/cannacon/) - CannaCon New Mexico May 15-22Join Herring Bank at Banking | Payments | ATMJoin Herring Bank at CannaCon New Mexico, taking place at the Albuquerque Convention Center, and find out why Flat Rate Cannabis Banking is the superior choice for your Cannabis Related Business! This guide is your essential resource for CannaCon, featuring event details, a
- [New Home Construction Loan](https://www.herringbank.com/mortgage/new-home-construction-loan/) - One Time Construction LoanSecure your new home construction loan with confidenceYou have enough to focus on during the construction of your new home. Have confidence that your financing is secure! Starting construction soon?ASK A QUESTIONor call 1.866.236.4779 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5 with 20+ reviews
- [Newsroom](https://www.herringbank.com/newsroom/) - Important news, updates, and security alerts Fraud Alert: Fake text messages asking for purchase approvalFebruary 27, 2024 Please be aware that we have received reports from multiple customers about fraudulent text messages. In some cases, the fraudsters are spoofing bank phone numbers (making it appear like the text was sent from a Herring Bank phone
- [Payroll Solutions](https://www.herringbank.com/business-banking/payroll-solutions/) - Business BankingPayroll solutionsPayroll management should be quick and simple – even if some of your employees don’t have direct deposit. Talk to a business repSchedule a visitor call 1.888.283.4564 Use direct deposit for your payrollRegardless of how many employees you have or accounting software you use. Direct Deposit can be used for more than just
- [Business Commercial Loans](https://www.herringbank.com/business-banking/business-commercial-loans/) - Business BankingBusiness and commercial loansGet the operating capital you need to expand, cover operational costs, pay vendors, maintain inventory, etc… Talk to a loan advisorSchedule a visitor call 1.888.283.4564 Personalized commercial loansPersonal support for your businessRegardless of what type or size of loan you need, we’ll work with you to get the financing you need.
- [Business Credit Cards](https://www.herringbank.com/business-banking/business-credit-cards/) - Business BankingBusiness credit cardsGive your business purchasing power and stay flexible with your finances. Start a new business accountSchedule a visitor call 1.888.283.4564 Your business credit cardBe flexible booking travel, purchases, and unexpected expensesYour business credit card includes: Built-in Fraud Alerts Receive an email or text message alert when we detect unexpected behavior on your
- [Business Checking & Savings](https://www.herringbank.com/business-banking/business-checking-savings-account/) - Business BankingBusiness checking and savingsManage your cash-flow and payments to your customers – all at a great fee! Start a new business accountSchedule a visitor call 1.888.283.4564 Your business checking accountThe tools you need to manage your fundsYour business checking account includes: Ability to manage your business checking account with Online BankingCash management tools including
- [Personal Banking](https://www.herringbank.com/personal-banking/) - Personal BankingConnect wherever you areLife is hard enough. Managing your personal finances shouldn’t make it harder. Select a personal banking service Online & mobile banking Do most of your banking online without ever needing to visit a branch - anytime, from anywhere. Personal checking and savings Manage your finances with ease by opening a checking
- [Business Banking](https://www.herringbank.com/business-banking/) - Business BankingWe make business banking personalWhether you’re just starting out or are long established – we’ll work with you to get you where you want to go. Select a business banking service Business checking and savings Manage your cash-flow and payments to your customers – all at a great fee! Business credit cards Give your
- [About Herring Bank](https://www.herringbank.com/about-herring-bank/) - From humble beginnings in 1899 to todayRelationships for a lifetime About Herring BankContact UsCareersBanking ResourcesOur missionOur goal is simple. Deliver the best possible banking experience so our customers and clients can better manage their finances. We provide a full range of quality financial products that include commercial, consumer, investment, and trust services in Texas, Oklahoma,
- [Mobile Privacy Policy](https://www.herringbank.com/mobile-privacy-policy/) - Herring Bank’s Mobile Privacy Policy Last updated: March 30, 2023 This Internet Privacy Disclosure applies to your use of the websites and mobile device applications (“Websites”) of Herring Bank and its affiliates (“Herring” or “us”), regardless of whether you are using a desktop computer, laptop, smart phone, electronic tablet, or other electronic device. If you
- [Whistleblower Policy](https://www.herringbank.com/whistleblower-policy/) - Herring Bank’s Whistleblower policy Whistleblower PolicyLast updated: July 2023 If you would like to report any incidents of misconduct, including, but not limited to the following: suspected fraud, corruption, collusion, coercion and other serious infringements of Bank policies, ethics/conduct and misuse of Bank assets and/or systems, please use our anonymous phone reporting platform: Toll Free
- [Diversity Policy](https://www.herringbank.com/diversity-policy/) - Herring Bank’s diversity policy Diversity PolicyLast updated: July 2023 It is the policy of Herring to hire well-qualified people. An integral part of this policy is to provide equal employment opportunity for all persons and administer hiring, working conditions, benefits and privileges of employment, compensation, training, appointments for advancement, including layoffs and recalls for all
- [Link In Bio](https://www.herringbank.com/about-herring-bank/banking-resources/link-in-bio/) - Looking for a link we shared on social?Find a link that Herring Bank shared on Instagram using the “link in our bio” method or a link shared on another social platform.
- [Mortgage Management Staff](https://www.herringbank.com/mortgage/mortgage-management-staff/) - Our mortgage teamA friendly and expert team who love helping their neighborsYou’re not just another account number for us. You’re our neighbor. We live in the same community. Talk with a lenderStart a conversationor call 1.866.236.4779 5.0 of 5 with 70+ reviews 3.8 of 5 with 15+ reviews 5.0 of 5 with 20+ reviews 4.0
- [Start your mortgage application online](https://www.herringbank.com/mortgage/start-your-mortgage-application-online/) - Start your online mortgage application hereSelect your location to get startedDFW, TX AreaIncludes: Vernon, TX Amarillo, TX AreaIncludes: Seymour, TX Clarendon, TX Colorado Springs, CO AreaAltus, OK AreaAll Other Areas The loan application processWhat it takes to get startedWhat you’ll need to apply The exact documents needed for a home loan depend on each applicants
- [Refinance Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/refinance-calculator/) - Refinance calculatorCompare your existing loan vs potential new loan terms. Talk with a lenderStart a conversationor call 1.866.236.4779 Refinance calculatorNot sure whether refinancing makes sense for your current financial situation? Use this calculator to compare your existing mortgage to the new loan parameters under consideration to get a rough estimate of whether the costs to
- [Closing Cost Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/closing-cost-calculator/) - Closing costs calculatorEstimate closing costs that may apply to your home purchase. Talk with a lenderStart a conversationor call 1.866.236.4779 Closing costs calculatorThis mortgage cost calculator helps you estimate closing costs that may apply to your home purchase. Original Loan – the total amount borrowed. Years – the length of your loan. Mortgage Rate –
- [Affordability Calculator](https://www.herringbank.com/mortgage/mortgage-calculators/affordability-calculator/) - Affordability calculatorAnalyze your current income against current expenses to determine an estimated mortgage amount you can afford. Talk with a lenderStart a conversationor call 1.866.236.4779 Mortgage affordability calculatorHow much home can you afford to purchase? With the Mortgage Affordability Calculator, you can analyze your current income against current expenses to determine an estimated mortgage amount
- [15 year vs 30 year](https://www.herringbank.com/mortgage/mortgage-calculators/15vs30-year-mortgage-calculator/) - 15 Year vs 30 Year Mortgage Comparison CalculatorCompare mortgage payments between a 15 and 30 year fixed mortgage. Talk with a lenderStart a conversationor call 1.866.236.4779 15yr. vs 30yr. mortgage comparison calculatorUse this mortgage cost calculator to compare mortgage payments between a 15 and 30 year fixed mortgage. Enter your expected mortgage amount. Then, enter
- [How to avoid a scam and what to do if your identity is stolen](https://www.herringbank.com/about-herring-bank/customer-support/how-to-avoid-a-scam-and-what-to-do-if-your-identity-is-stolen/) - How to avoid a scam and what to do if your identity is stolen First things first… Know to avoid a scamBlock unwanted calls and text messages.Take steps to block unwanted calls and to filter unwanted text messages. Don’t give your personal or financial information in response to a request that you didn’t expect.Legitimate organizations
- [Everything you should know about getting a mortgage](https://www.herringbank.com/mortgage-resources/first-time-home-buyers-guide/everything-about-mortgages/) - First time home buyer’s guideEverything you should know about getting a mortgageBefore approaching a mortgage lender and starting the process of filling out a mortgage loan application, you can benefit from understanding the basics of mortgages Before approaching a mortgage lender and starting a mortgage loan application, you can…Benefit from understanding the basics of what
- [From shopping for a new house to closing](https://www.herringbank.com/mortgage-resources/first-time-home-buyers-guide/from-shopping-to-closing/) - First time home buyer’s guideFrom shopping for a new house to closingYou’ve been pre-approved. You’ve found a realtor. Your budget is set. You’re ready! Right!? You’ve been pre-approved. You’ve found a realtor. Your budget is set. You’re ready! Right!?Here’s what you need to know when you’re actively looking at houses and how to make the
- [Before You Start](https://www.herringbank.com/mortgage-resources/first-time-home-buyers-guide/before-you-start/) - First time home buyer’s guideBefore You StartAre you ready to buy your first home? Buying a home is a big commitment, one that takes time, energy, and money.However, what many people don’t realize is that they ARE financially qualified to get a home loan. If you’ve been responsible with your money and have been steadily
- [First Time Buyer's Guide](https://www.herringbank.com/mortgage-resources/first-time-home-buyers-guide/) - First time home buyer’s guideBuying your first home can be OVERWHELMING!There’s so much to know, and how do you know what you don’t know? We’ve been helping first time homebuyers for decades! So we put this guide together to help you out. Before you startAre you ready to buy your first home? See the chapter
- [Your Wrangler Card](https://www.herringbank.com/student-online-banking-login/your-wrangler-card/) - Your Wrangler CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Wrangler Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Wild Cat Card](https://www.herringbank.com/student-online-banking-login/wild-cat-card/) - Your Wild Cat CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Wild Cat Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Westerner Card](https://www.herringbank.com/student-online-banking-login/westerner-card/) - Your Westerner CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Westerner Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Warrior Card](https://www.herringbank.com/student-online-banking-login/warrior-card/) - Your Warrior CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Warrior Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Texan Card](https://www.herringbank.com/student-online-banking-login/texan-card/) - Your Texan CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Texan Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [TC Money Card](https://www.herringbank.com/student-online-banking-login/tc-money-card/) - Your TC Money CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my TC Money Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [SSCOK Card](https://www.herringbank.com/student-online-banking-login/sscok-card/) - Your SSCOK CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my SSCOK Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Rowdy Card](https://www.herringbank.com/student-online-banking-login/rowdy-card/) - Your Rowdy CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Rowdy Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Ranger Card](https://www.herringbank.com/student-online-banking-login/ranger-college-card/) - Your Ranger CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Ranger Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Plainsmen Card](https://www.herringbank.com/student-online-banking-login/plainsmen-card/) - Your Plainsmen CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Plainsmen Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [PJC Card](https://www.herringbank.com/student-online-banking-login/pjc-card/) - Your PJC CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my PJC Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Panola Card](https://www.herringbank.com/student-online-banking-login/panola-card/) - Your Panola CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Panola Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [NWOSU Card](https://www.herringbank.com/student-online-banking-login/nwosu-card/) - Your NWOSU CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my NWOSU Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [NCTC Card](https://www.herringbank.com/student-online-banking-login/nctc-card/) - Your NCTC CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my NCTC Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [MSC Aggie One Card](https://www.herringbank.com/student-online-banking-login/msc-aggie-one-card/) - Your MSC Aggie One CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my MSC Aggie One Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student
- [Mountaineer Card](https://www.herringbank.com/student-online-banking-login/mountaineer-card/) - Your Mountaineer CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Mountaineer Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Hound Card](https://www.herringbank.com/student-online-banking-login/hound-card/) - Your Hound CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Hound Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [HC Card](https://www.herringbank.com/student-online-banking-login/hc-card/) - Your HC CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my HC Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [GreenBucks Card](https://www.herringbank.com/student-online-banking-login/greenbucks-card/) - Your GreenBucks CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my GreenBucks Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [ETBU Tiger Card](https://www.herringbank.com/student-online-banking-login/etbu-tiger-card/) - Your ETBU Tiger CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my ETBU Tiger Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Eagle Passport Card](https://www.herringbank.com/student-online-banking-login/eagle-passport-card/) - Your Eagle Passport CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Eagle Passport Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Drover Card](https://www.herringbank.com/student-online-banking-login/drover-card/) - Your Drover CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Drover Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Chap Card](https://www.herringbank.com/student-online-banking-login/chap-card/) - Your Chap CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Chap Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Brazosport College Card](https://www.herringbank.com/student-online-banking-login/brazosport-college-card/) - Your BC CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my BC Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Benedict Tiger Card](https://www.herringbank.com/student-online-banking-login/benedict-tiger-card/) - Your Tiger CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Tiger Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [What is your investment risk tolerance?](https://www.herringbank.com/wealth-management-resources/what-is-your-investment-risk-tolerance/) - Are you aggressive, conservative, or somewhere in between?What is your long-term risk tolerance level when investing? Take the quiz to see how you might consider investing based on your risk tolerance level.Find your risk tolerance level[gravityform id=”2″ title=”false” description=”false” ajax=”true”] No one is the same when it comes to investing, but almost all investors fall
- [Student Banking Login](https://www.herringbank.com/student-online-banking-login/) - Student card log inWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my College Green Card Frequently asked questionsYou might be wondering about…Who is Herring Bank?Herring Bank is an FDIC-insured bank headquartered in Amarillo, Texas. Herring Bank has partnered with
- [College Finance 101](https://www.herringbank.com/student-banking/college-finance-101/) - Stretch your income as far as you canHow not to go broke while you’re in college and come out ahead Living with a budget that has you ‘just’ surviving between work, study, PB&J, and Ramen?1. Keep track of your income 2. Record and categorize your expenses 3. Have a plan and stick to it 4.
- [Personal Banking Resources](https://www.herringbank.com/personal-banking-resources/) - Tips to increase your financial IQStrategies, suggestions, and inspirations to help put you on a straighter financial road that get’s you where you want to go, faster. Avoid the mistakes most people make and come out ahead.Helpful resources to get more out of your every day financesHow to get out of debt and start saving
- [Loans & Credit Lines](https://www.herringbank.com/personal-banking/personal-loans/) - Personal BankingPersonal loans and credit linesBuying a new car? Improving your home? Consolidating debt? A personal loan can give you the flexibility you need. Create an accountSchedule a visitor call 1.866.348.3435 Getting a personal loan doesn’t have to be difficultYou can use a personal loan for just about anything. Your credit score doesn’t have to
- [Your guide to refinancing](https://www.herringbank.com/mortgage-resources/your-guide-to-refinancing/) - Refinance your loanYour guide to refinancingThere are many good reasons to consider refinancing, but are any of them right for you? If the value of your home has increased, or if interest rates have dropped, you may want to consider refinancing your mortgage loan.1. Understand home equity 2. Knowing when I should consider refinancing 3.
- [Sell your home with less headaches](https://www.herringbank.com/mortgage-resources/sell-your-home-with-less-headaches/) - Sell your home with less headachesIncrease the odds of selling your house faster for top dollar!Selling a home can be an arduous affair. If you’re needing to sell your home, here are the things you need to know and do to make that happen. There’s nothing worse than… …running around the house, cleaning before a
- [Tips and tricks for your big move](https://www.herringbank.com/mortgage/tips-tricks-your-big-move/) - Get our best tips and tricks for your big move Download our best tips and tricks for your big move A little bit of preparation can save a TON of time! Get ready for your move with our list of tips and tricks to help you save time. Download the tips and tricksWith a home
- [Home Buying Application Checklist](https://www.herringbank.com/mortgage/home-buying-application-checklist/) - Get the Home Buying Application Checklist Download the Home Buying Application Checklist During the home loan application process, you may be asked to provide a wealth of information or documents. Get a jump start by downloading our home buying application checklist that lists the various application documents you may be asked to provide as part
- [30-Day Moving Prep Plan](https://www.herringbank.com/mortgage/30-day-moving-prep-plan/) - Get the 30-day moving prep plan Download the 30-day moving prep plan Moving into a new home can be both exciting and overwhelming! Prepare for your move at a steady pace using this 30-day guide and checklist. Download the moving prep planWith a home still not sold in Oklahoma and a very hot real estate
- [Business Resource Starting a new business? Avoid the pitfalls, mistakes and time-wasters.](https://www.herringbank.com/business-banking/new-business-avoid-pitfalls-mistakes/) - Stretch your income as far as you canStarting a new business? Avoid the pitfalls, mistakes, and time-wasters. Regardless of your business goals or acumen, there are certain tell-tale signs that you’re ready.1. How to know if you’re financially ready to start a business. 2. Know how you will get, receive, and send money. 3. Form
- [Banking Resources](https://www.herringbank.com/about-herring-bank/banking-resources/) - Tips to increase your financial IQStrategies, suggestions, and inspirations to help put you on a straighter financial road that get’s you where you want to go, faster. Our resources by category: MortgageWealth ManagementCommercial & SMBPersonal FinanceMortgage and RefinancingHere’s what you should know before buying, selling, or refinancing your home.Buying your first home can be OVERWHELMING!
- [LP](https://www.herringbank.com/lp/) - You’ve stumbled onto a page that “doesn’t” existUse our navigation to find what you’re looking for
- [Justin Payne](https://www.herringbank.com/mortgage/justin-payne/) - Mortgage financing is not a one size fits all!Home purchase, refinance, construction, home equity loan – My name is Justin Payne and I’d be happy to help you! Use my rate calculator and crunch your numbersMeet with Justin PayneGet pre-approved onlineor call me at 1-806-341-8583 × Fill out the form & click submit. Then, scroll
- [How to setup text alerts](https://www.herringbank.com/about-herring-bank/customer-support/how-to-setup-text-alerts/) - Online Banking Text Alerts How to setup text alertsText Alerts are useful for getting alerts and messages on your phone as well as adding an alternate channel for getting your One-Time-Passcodes. This is especially helpful if it is taking a while to get your OTP through email. Below are screenshots to walk you through the
- [Fee Free ATM List](https://www.herringbank.com/about-herring-bank/fee-free-atm-list/) - We’re here for you!Surcharge Fee Free ATMsHerring Bank is a member of the Allpoint ATM Network. Allpoint ATMs are completely fee free for cash withdrawals and balance inquiries. Allpoint ATM locations can be found here http://www.allpointnetwork.com/locator.aspx We specialize in TexasNebraskaKansasOklahomaTexasAbilene Cisco College –717 East Industrial Blvd Amarillo Herring Bank Drive-up –2201 Civic Circle United Supermarket
- [Weatherford Coyote Card](https://www.herringbank.com/student-online-banking-login/weatherford-coyote-card/) - Your Coyote CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Coyote Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Redlands Cougar Card](https://www.herringbank.com/student-online-banking-login/redlands-cougar-card/) - Your Redlands Cougar CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Redlands Cougar Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Ranger Card](https://www.herringbank.com/student-online-banking-login/ranger-card/) - Your Ranger CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Ranger Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [NOC Card](https://www.herringbank.com/student-online-banking-login/noc-card/) - Your NOC CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my NOC Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Mazaska Card](https://www.herringbank.com/student-online-banking-login/mazaska-card/) - Your Mazaska CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Mazaska Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Labette Cardinal Card](https://www.herringbank.com/student-online-banking-login/labette-cardinal-card/) - Your Cardinal CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Cardinal Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Go Cisco Card](https://www.herringbank.com/student-online-banking-login/go-cisco-card/) - Your Go Cisco CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Go Cisco Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Chaparral Card](https://www.herringbank.com/student-online-banking-login/chaparral-card/) - Your Chaparral CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Chaparral Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Bulldog Scratch Card](https://www.herringbank.com/student-online-banking-login/bulldog-scratch-card/) - Your Bulldog Scratch CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Bulldog Scratch Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to
- [Carl Albert Viking Card](https://www.herringbank.com/student-online-banking-login/carl-albert-viking-card/) - Your Viking CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Log in to my Viking Card Have you made your student refund choice yet? If not, you need to return to your college’s website to access your student portal to make your
- [Student Card Select College](https://www.herringbank.com/student-online-banking-login/student-card-select-college/) - Your Student College Green CardWe’re looking out for youLife is hard enough. Managing your finances while you’re away at college shouldn’t make life any harder. Login and manage your accountSelect your college to log into your account. choose your college here... Brazosport College Cisco College Clarendon College Eastern Oklahoma State College East Texas Baptist University
- [Beware of COVID-19 Scams](https://www.herringbank.com/newsroom/covid-19-scams/) - Beware of COVID-19 Scams Our Covid-19 ResponseCOVID-19 ScamsBeware & Protect yourself from COVID-19 related scams.We will not contact you and then ask for confidential information over the phone or through emails – such as your name, password, PIN or other account information. You need to be aware, Herring Bank’s brand might be used in fraudulent
- [Staying safe with Wi-Fi](https://www.herringbank.com/about-herring-bank/customer-support/staying-safe-with-wifi/) - Staying safe with Wi-Fi Using public Wi-Fi? Be aware of these dangers!For many people without unlimited data plans, or plans that slow internet speed after hitting data limits, public Wi-Fi hotspots are a great alternative. Unfortunately, public Wi-Fi hotspots are not the perfect solution for the data hungry that they appear to be. In fact,
- [Protect your debit and credit cards online](https://www.herringbank.com/about-herring-bank/customer-support/protect-your-debit-credit-cards-online/) - Protect your debit and credit cards online How to protect your credit cardAs plastic replaces cash, it’s important to remember that a few small safety precautions go a very long way. Whether you’re shopping online or using your card at the gas station, you’ll want to use your head and keep your finances secure. Online
- [Protect yourself from phishing](https://www.herringbank.com/about-herring-bank/customer-support/protect-yourself-from-phishing/) - Protect yourself from phishing Here’s how to protect yourself from phishing scamsYou have probably already heard the story. It might have already happened to someone you know. One day, life is perfectly normal and the next it has been turned upside down because an identity has been stolen. Somebody has bought a car in their
- [Staying safe online](https://www.herringbank.com/about-herring-bank/customer-support/staying-safe-online/) - Staying safe online Safe habits for smart internet usersMost of us can’t remember life before the internet. It’s true. The internet has become a necessity, or at least perceived as suck. In any case, it’s one of the greatest resources for, well, anything actually. The internet is a vital source for information, entertainment, and communication.
- [Staying safe with passwords](https://www.herringbank.com/about-herring-bank/customer-support/staying-safe-with-passwords/) - Staying safe with passwords Use these tips to make your password more securePasswords are designed to keep your information safe. Unfortunately, your password can be compromised in any number of ways. Malicious software, brute force cyber attacks, and data breaches can all cause your password protection to fail. However, there are some steps you can
- [Home Comparison Checklist](https://www.herringbank.com/mortgage/home-comparison-checklist/) - Get the Home Comparison Checklist Download the Home Comparison Checklist Shopping for your dream home? Use this handy checklist to gather notes and compare the homes you visit to make the best decision for your home buying needs! Download the checklistWith a home still not sold in Oklahoma and a very hot real estate market

## Mortgage City Pages

- [VA Loans in Saint Robert, MO | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-saint-robert-mo/) - VA loans in Saint Robert, MO from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Little Rock, AR | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-little-rock-ar/) - VA loans in Little Rock, AR from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Lexington Park, MD | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-lexington-park-md/) - VA loans in Lexington Park, MD from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Biloxi, MS | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-biloxi-ms/) - VA loans in Biloxi, MS from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Dayton, OH | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-dayton-oh/) - VA loans in Dayton, OH from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Watertown, NY | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-watertown-ny/) - VA loans in Watertown, NY from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Wichita, KS | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-wichita-ks/) - VA loans in Wichita, KS from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Huntsville, AL | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-huntsville/) - VA loans in Huntsville, AL from Herring Bank help veterans, service members, and military families buy or refinance with personalized mortgage support.
- [VA Loans in Charleston, SC | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-charleston-sc/) - VA loans in Charleston, SC from Herring Bank help veterans, active-duty service members, and military families buy or refinance with personalized support.
- [VA Loans in Cheyenne, WY | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loans-in-cheyenne-wy/) - Get VA loans in Cheyenne, WY with Herring Bank. Explore benefits, eligibility, and personalized mortgage support for veterans and military families.
- [VA Loans in Fort Walton Beach, FL | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-fort-walton-beach/)
- [VA Loans in Oklahoma City, OK | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-oklahoma-city/)
- [VA Loans in Killeen, TX | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-killeen/)
- [VA Loans in Bossier City, LA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-bossier-city/)
- [VA Loans in Lawton, OK | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-lawton/)
- [VA Loans in Las Vegas, NV | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-las-vegas/)
- [VA Loans in Honolulu, HI | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-honolulu/)
- [VA Loans in Tacoma, WA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-tacoma/)
- [VA Loans in Colorado Springs, CO | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-colorado-springs/)
- [VA Loans in Fayetteville, NC | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-fayetteville/)
- [VA Loans in Tampa, FL | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-tampa/)
- [VA Loans in San Antonio, TX (JBSA) | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-san-antonio/)
- [VA Loans in Jacksonville, FL | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-jacksonville/)
- [VA Loans in San Diego, CA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-san-diego/)
- [VA Loans in Virginia Beach, VA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-virginia-beach/)
- [VA Loans in El Paso, TX (Fort Bliss) | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-el-paso/)
- [VA Loans in Columbus, GA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-columbus/)
- [VA Loans in Tucson, AZ | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-tucson/)
- [VA Loans in Anchorage, AK | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-anchorage/)
- [VA Loans in Augusta, GA | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-augusta/)
- [VA Loans in Clarksville, TN | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-clarksville/)
- [VA Loans in Jacksonville, NC | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-jacksonville-nc/)
- [VA Loans in Pensacola, FL | Herring Bank](https://www.herringbank.com/mortgage-cities/va-loan-pensacola/)

## Learn Articles

- [What Is an Owelty Lien? Definition, How It Works, and When It's Used](https://www.herringbank.com/learn/what-is-an-owelty-lien/) - Learn what an owelty lien is, how it works, and when it’s used for divorce, inheritance, or co-owner home equity buyouts.
- [Owelty Lien vs. Cash-Out Refinance in Texas: Which Saves You More?](https://www.herringbank.com/learn/owelty-lien-vs-cash-out-refinance-texas/) - Compare an owelty lien and cash-out refinance in Texas to see which option may save more when dividing home equity or buying out a co-owner.
- [How to Divide Home Equity in a Texas Divorce](https://www.herringbank.com/learn/how-to-divide-home-equity-in-a-texas-divorce/) - Learn how to divide home equity in a Texas divorce, including buyouts, refinancing, owelty liens, and options for selling or keeping the home.
- [Owelty Lien Refinance: Requirements, LTV, and How to Qualify in Texas](https://www.herringbank.com/learn/owelty-lien-refinance-requirements/) - Learn the requirements for an owelty lien refinance in Texas, including LTV guidelines, qualification steps, and how to structure a buyout loan.
- [Owelty Liens Beyond Divorce: Inheritance and Co-Owner Buyouts in Texas](https://www.herringbank.com/learn/owelty-lien-inheritance-property-division/) - Learn how owelty liens can help with inherited property, co-owner buyouts, and Texas real estate transfers beyond divorce.
- [Special Military Pay and VA Loan Qualification: What Counts](https://www.herringbank.com/learn/special-pay-va-qualification/) - Learn which types of special military pay may cout toward VA loan qualification and how lenders review income for service members and veterans.
- [Nevada Military Retirement Tax Exemption: No State Income Tax for Veterans](https://www.herringbank.com/learn/nevada-military-retirement/) - Learn why Nevada’s no state income tax policy makes military retirement pay tax-free for veterans and what it means for retirees.
- [Colorado Veterans Property Tax Exemption: Eligibility and Application](https://www.herringbank.com/learn/colorado-veterans-property-tax/)
- [North Carolina Veteran Property Tax Exclusion: Who Qualifies and How Much](https://www.herringbank.com/learn/nc-veteran-tax-exclusion/)
- [Washington State Veteran Property Tax Exemption: Who Qualifies](https://www.herringbank.com/learn/washington-veteran-tax-exemption/)
- [Hawaii Veteran Property Tax Exemption: Rates by County](https://www.herringbank.com/learn/hawaii-veteran-tax-exemption/)
- [Nevada Veteran Property Tax Exemption: What the Credit Covers](https://www.herringbank.com/learn/nevada-veteran-tax-exemption/)
- [Oklahoma Veteran Property Tax Exemption: Full Exemption for 100% Disabled Vets](https://www.herringbank.com/learn/oklahoma-veteran-tax-exemption/)
- [Wildfire Zones and Mortgages: Insurance, Eligibility, and Underwriting](https://www.herringbank.com/learn/wildfire-zone-mortgages/)
- [Florida Hurricane Insurance and Mortgages: What Lenders Require](https://www.herringbank.com/learn/florida-hurricane-insurance/)
- [Flood Zones and VA Loans: Insurance Requirements and Property Eligibility](https://www.herringbank.com/learn/flood-zones-va-loans/)
- [What Is Home Equity in Texas?](https://www.herringbank.com/learn/what-is-home-equity-in-texas-understanding-its-value-benefits-and-legal-framework/)
- [FHA vs. Conventional Loans for Texas Homebuyers](https://www.herringbank.com/learn/fha-vs-conventional-loans-for-texas-homebuyers/)
- [Can You Buy a Fixer-Upper With an FHA Loan in Texas?](https://www.herringbank.com/learn/can-you-buy-a-fixer-upper-with-an-fha-loan-in-texas/)
- [Texas Land Loans: How to Finance Raw and Rural Land](https://www.herringbank.com/learn/texas-land-loans/)
- [Cash-Out Refinance Credit Score Requirements in Texas](https://www.herringbank.com/learn/cash-out-refinance-credit-score-texas/)
- [What Is a Home Equity Loan?](https://www.herringbank.com/learn/what-is-a-home-equity-loan/)
- [How Much House Can I Afford With a $200K Salary in Texas?](https://www.herringbank.com/learn/how-much-house-can-i-afford-with-200k-salary-texas/)
- [VA Loans in Fort Worth: How to Apply With Herring Bank](https://www.herringbank.com/learn/va-loans-in-fort-worth/)
- [Best Fort Worth Neighborhoods for FHA Buyers](https://www.herringbank.com/learn/best-fort-worth-neighborhoods-for-fha-buyers/)
- [What Is an Escrow Account and How Does It Work?](https://www.herringbank.com/learn/what-is-an-escrow-account/)
- [VA Funding Fee: Rates, Exemptions, and How It Works](https://www.herringbank.com/learn/va-funding-fee/)
- [Texas Vet Loan: Rates, Eligibility, and How It Differs from a VA Loan](https://www.herringbank.com/learn/texas-vet-loan/)
- [Texas Homestead Exemption: How It Lowers Your Property Tax Bill](https://www.herringbank.com/learn/texas-homestead-exemption/)
- [Florida Homestead Exemption: What It Covers and How to Claim It](https://www.herringbank.com/learn/florida-homestead/)
- [Save Our Homes Cap: How Florida Limits Property Tax Assessment Growth](https://www.herringbank.com/learn/save-our-homes/)
- [AICUZ Noise Zones and VA Loans: What Buyers Near Military Bases Need to Know](https://www.herringbank.com/learn/aicuz-noise-zones/)
- [VA Loan Limits: How Much Can You Borrow With No Down Payment?](https://www.herringbank.com/learn/va-loan-limits/)
- [CalVet vs. VA Loan: Which Is Better for California Veterans?](https://www.herringbank.com/learn/calvet-vs-va/)
- [Using BAH to Qualify for a VA Loan: What Counts as Income](https://www.herringbank.com/learn/bah-coverage-analysis/)
- [Mortgagee Clause in Texas: What It Is and Why It Matters](https://www.herringbank.com/learn/mortgagee-clause-texas/)
- [FHA Loans and PMI in Texas: What You'll Pay](https://www.herringbank.com/learn/fha-loans-pmi-texas/)
- [Texas Ranch Loans: How to Finance Rural Land and Improvements](https://www.herringbank.com/learn/texas-ranch-loans/)
- [Texas Jumbo Loan Limits by County](https://www.herringbank.com/learn/texas-jumbo-loan-limits-by-county/)
- [What Income Do I Need to Afford a $600K House in Texas?](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-600k-house-texas/)
- [The Basics of Qualifying for a Mortgage Loan](https://www.herringbank.com/learn/the-basics-of-qualifying-for-a-mortgage-loan/)
- [What Happens If I Pay 2 Extra Mortgage Payments a Year in Texas?](https://www.herringbank.com/learn/what-happens-if-i-pay-2-extra-mortgage-payments-a-year-texas/)
- [Bridge Loans: How They Work and When to Use Them](https://www.herringbank.com/learn/bridge-loan/)
- [Physician Loans: How They Work for Medical Professionals](https://www.herringbank.com/learn/physician-loans/)
- [VA Loan Requirements in 2025: What You Need to Qualify](https://www.herringbank.com/learn/va-loan-requirements-in-2025-what-you-need-to-qualify/)
- [How to Get a VA Loan in Texas](https://www.herringbank.com/learn/how-to-get-a-va-loan-in-texas/)
- [How to Get a Mortgage in Texas: Step by Step](https://www.herringbank.com/learn/how-to-get-a-mortgage-texas-step-by-step/)
- [Best Mortgage Lenders in Fort Worth: What to Look For](https://www.herringbank.com/learn/best-mortgage-lenders-in-fort-worth/)
- [How to Refinance a Mortgage in Texas](https://www.herringbank.com/learn/how-do-you-refinance-a-mortgage-in-texas/)
- [What Are the Benefits of Using Direct Deposit?](https://www.herringbank.com/learn/what-are-the-benefits-of-using-direct-deposit/)
- [What Income Do I Need to Afford a $200K House in Texas?](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-200k-house-texas/)
- [Today's Mortgage Rates in Austin Texas](https://www.herringbank.com/learn/todays-mortgage-rates-in-austin-texas/)
- [How to Sell a House As-Is in Texas: A Complete Guide](https://www.herringbank.com/learn/how-to-sell-a-house-as-is-when-it-needs-repairs-in-texas-a-complete-guide-for-homeowners/)
- [Credit Card Processing for Dental Practices](https://www.herringbank.com/learn/credit-card-processing-for-dental-practices/)
- [HELOC Requirements: What You Need to Qualify](https://www.herringbank.com/learn/what-are-the-requirements-for-a-heloc/)
- [How to Open a Merchant Account: What Businesses Need to Know](https://www.herringbank.com/learn/how-to-open-a-merchant-account/)
- [What Home Loan Can You Get With a 680 Credit Score in Texas?](https://www.herringbank.com/learn/what-home-loan-can-you-get-with-a-680-credit-score-texas/)
- [Credit Score to Buy a House in Texas: Minimums by Loan Type](https://www.herringbank.com/learn/credit-score-to-buy-a-house-in-texas/)
- [FHA Loans for Borrowers With Bad Credit: Minimum Scores and Requirements](https://www.herringbank.com/learn/fha-loans-for-borrowers-with-bad-credit/)
- [What Is a Letter of Explanation for a Mortgage?](https://www.herringbank.com/learn/what-is-a-letter-of-explanation/)
- [VA Loan Closing Costs: Who Pays and How to Reduce Them](https://www.herringbank.com/learn/va-loan-closing-costs-who-pays-and-how-to-reduce/)
- [Hard Money Loans: How They Work and When to Use Them](https://www.herringbank.com/learn/hard-money-loans/)
- [Typical Closing Costs in Texas for Buyers and Sellers](https://www.herringbank.com/learn/typical-closing-costs-in-texas-for-buyers-and-sellers/)
- [How to Start an ATM Business: Step-by-Step Guide](https://www.herringbank.com/learn/how-to-start-an-atm-business/)
- [How to Buy a House With Bad Credit: Loan Options and Strategies](https://www.herringbank.com/learn/how-to-buy-a-house-with-bad-credit/)
- [What Is an FHA Loan? How It Works and Who Qualifies](https://www.herringbank.com/learn/what-is-an-fha-loan/)
- [VA Loan vs. Conventional Loan: Which Is Better for Veterans?](https://www.herringbank.com/learn/va-loan-vs-conventional-loan-which-is-better-for-veterans/)
- [What Income Do I Need to Afford a $300K House in Texas?](https://www.herringbank.com/learn/what-income-do-i-need-to-afford-a-300k-house-texas/)
- [Pros and Cons of FHA Loans for Texas Homebuyers](https://www.herringbank.com/learn/pros-and-cons-of-fha-loans-for-texas-homebuyers/)
- [Texas Jumbo Loan Limits 2025: When You Need a Jumbo Loan](https://www.herringbank.com/learn/jumbo-loan-limit-texas-2024/)
- [Home Warranty Cost: What You Pay and What It Covers](https://www.herringbank.com/learn/home-warranty-cost/)
- [Home Buying Guide: Everything You Need to Know](https://www.herringbank.com/learn/home-buying/)
- [How Much Is the Mortgage on a $400K House in Texas?](https://www.herringbank.com/learn/how-much-is-the-mortgage-on-a-400k-house-texas/)
- [HELOC in Texas: Rules, Limits, and How to Qualify](https://www.herringbank.com/learn/heloc-texas-guide/)
- [How to Get a Mortgage in Colorado: Loan Options and Requirements](https://www.herringbank.com/learn/how-to-get-a-mortgage-in-colorado/)

## Categories

- [Wealth Management Resources](https://www.herringbank.com/category/wealth-management-resources/)
- [Personal Banking Resources](https://www.herringbank.com/category/personal-banking-resources/)
- [Newsroom](https://www.herringbank.com/category/newsroom/)
- [LandingPages-DFW Mortgage](https://www.herringbank.com/category/dfw/)
- [Home Buying](https://www.herringbank.com/category/learn/home-buying/)
- [Learn](https://www.herringbank.com/category/learn/)
- [Mortgage Basics](https://www.herringbank.com/category/learn/mortgage-basics/)
- [Refinancing](https://www.herringbank.com/category/learn/refinancing/)
- [Campus Solutions](https://www.herringbank.com/category/newsroom/campus-solutions/)

## Tags

- [Home Buying](https://www.herringbank.com/tag/home-buying/)
- [Mortgage](https://www.herringbank.com/tag/mortgage/)
- [Real Estate Transactions](https://www.herringbank.com/tag/real-estate-transactions/)
- [Earnest Money](https://www.herringbank.com/tag/earnest-money/)
- [Down Payment](https://www.herringbank.com/tag/down-payment/)
- [Real Estate](https://www.herringbank.com/tag/real-estate/)
- [Deposit](https://www.herringbank.com/tag/deposit/)
- [Home Equity Line of Credit](https://www.herringbank.com/tag/home-equity-line-of-credit/)
- [HELOC Requirements](https://www.herringbank.com/tag/heloc-requirements/)
- [Borrowing Against Home Equity](https://www.herringbank.com/tag/borrowing-against-home-equity/)