Comprehensive Odessa, TX Mortgage Services

Looking to buy a home in Odessa? Herring Bank is your trusted local mortgage lender, providing competitive rates, streamlined in-house underwriting, and timely closings. As approved VA and FHA lenders, we offer personalized service and expert guidance to support you through every step of your home loan journey.

  • FHA, VA, & Jumbo Loans
  • Direct Mortgage Lender
  • In-House Underwriting
  • Low Rates & Low Fees
  • Free Good Faith Estimate
  • Texas Customer Service!
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-TX-Mortgage-Company

Local Odessa, TX Mortgage Company

Odessa Mortgage Company

Welcome to Herring Bank, your direct mortgage lender in Odessa, TX. We offer competitive rates and expedited loan closings for a seamless home financing experience. Our technology-driven platform enables you to complete applications, link accounts, upload documents, and receive full loan approval—all from the comfort of your home.

Dedicated to building long-term client relationships, Herring Bank provides dependable, personalized mortgage services. Whether you’re buying a new home or refinancing, our team is ready to guide you every step of the way.

Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Get-a-Mortgage-Odessa-Texas

Thinking about buying a home or refinancing your mortgage in Odessa? Herring Bank is your local mortgage expert, offering a variety of loan options customized to fit your unique needs. With FHA, VA, USDA, and conventional loans, our team provides personalized guidance to help you find the right mortgage to achieve your financial goals. Whether you’re purchasing a new home or refinancing, we’re here to support you every step of the way.

Why Choose Herring Bank?

  • Direct Mortgage Lender: Fast closings with local underwriting.
  • No-Obligation Loan Estimates: Transparent insights into your loan options.
  • Local Odessa Service: Friendly, responsive support.

Our motto, “relationships for a lifetime,” reflects our commitment to competitive rates, efficient service, and a seamless mortgage experience. With a technology-driven, client-first approach, we make it easy to apply, manage documents, and track loan status online. Herring Bank’s dedication to building lasting relationships has earned the trust of borrowers across Texas.

Whether you’re seeking financing in Odessa or beyond, discover why so many choose Herring Bank as their preferred mortgage lender. Let us help make your homeownership dreams a reality!

Discover Home Loan Options

Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-Texas-New-Home-Loans

Odessa New Home Loans

Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-Texas-Conventional-Loans

Odessa Conventional Mortgage

Conventional loans provide competitive rates and reduced mortgage insurance with flexible term options:

  • Terms available: Choose from 30, 20, and 15-year terms
  • Low rates: Ideal for borrowers with strong credit
  • Versatile options: Suitable for primary, secondary, and investment properties
  • Flexible Financing: Offering tailored options to suit your needs
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-Texas-FHA-Loans

Odessa FHA Home Loans

FHA home loans are a great option for first-time home buyers in Odessa, though you don’t need to be a first-time buyer to qualify:

  • Low Down Payment Requirement
  • Flexible Credit Criteria
  • 203k Renovation Loan Options
  • Ideal for First-Time Buyers
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-Texas-VA-Loans

Odessa VA Loans

As an approved VA lender in Odessa, Herring Bank provides specialized home loan services designed for veterans:

  • Zero Down, 100% Financing
  • No Monthly PMI
  • No Debt-to-Income Restrictions
  • VA Jumbo Loans with Down Payment Options
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank USDA-Loans-Odessa-Texas

USDA Home Loans

USDA loans for rural properties in Odessa and surrounding areas provide outstanding benefits, including full financing for eligible buyers:

  • 100% Financing for Rural Properties
  • Primary Residence Requirement
  • Option to Roll Closing Costs into the Loan
  • Low Interest Rates
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Mortgage-Refinance-Odessa-Texas

Mortgage Refinance

Herring Bank provides streamlined refinancing services in Odessa for fast approvals and a smooth, hassle-free experience:

  • Lower Monthly Payments
  • Shorten Your Mortgage Term
  • FHA Streamline Refinance
  • VA IRRRL Streamline Refinance

Odessa, Texas Mortgage Experts

Close on Time

We work diligently to close every loan in 28 days or less. With in-house underwriting, processing, and closing, we ensure quick approvals and timely funding, making your mortgage process smooth and efficient.

Low Rates & Fees

As a trusted mortgage lender in Odessa, we offer competitive rates, low fees, and fast closings. We are an approved FHA, VA, and USDA lender, providing a wide range of loan options to suit your needs.

Customer Service

Renowned for outstanding customer service, Herring Bank puts clients first, ensuring a smooth, stress-free experience from start to finish. Let us support you through every step of the mortgage process in Odessa.

Meet our Mortgage Team

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

Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Chris Godwin
Chris GodwinResidential Mortgage Loan Manager, VP
NMLS# 1481887
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Gaye Crump
Gaye CrumpSr. Mortgage Loan Originator
NMLS# 793614
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Rex Dobrinski
Rex DobrinskiSenior Loan Originator
NMLS# 620952

Herring Bank – Odessa, TX Mortgage Lender

Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Mortgage-Lending-Odessa-Texas
Odessa, TX Mortgage Lender | USDA, FHA & VA | Herring Bank Odessa-Texas-Mortgage-Lending

Planning to buy a new home or refinance in Odessa? Herring Bank, your local lender, offers a complete range of mortgage products, including FHA, VA, USDA, Jumbo, and conventional loans, tailored to fit your financial goals. With local underwriters based in Odessa, we ensure fast approvals and timely closings for a seamless experience.

At Herring Bank, every borrower is unique, and we provide personalized attention at each stage. Whether you’re a first-time homebuyer, an experienced homeowner, or refinancing, our expert team is here to ensure a transparent and stress-free mortgage process from start to finish.

2024 Odessa, TX Real Estate

The Odessa real estate market has shown steady growth in 2024, with a median listing price around $280,000, reflecting a 1.6% annual increase. Homes typically stay on the market for about 18 days, indicating a competitive environment. Odessa currently has a range of properties available, from entry-level homes to larger investments, appealing to diverse budgets.

For those looking to finance in Odessa, Herring Bank provides FHA, VA, USDA, and conventional loans with competitive rates, efficient local underwriting, and a customer-centered approach, ensuring a smooth mortgage process for buyers and refinancers alike​.