Partnering for Your Homeownership Success
We’re more than just brokers; we’re your dedicated allies. Experience personalized guidance and expert support every step of the way.
We’re more than just brokers; we’re your dedicated allies. Experience personalized guidance and expert support every step of the way.
At The Herd Lending, we recognize that every homebuyer’s situation is unique. That’s why we’re committed to delivering personalized solutions, offering diverse mortgage choices and attentive service. Leveraging modern technology, our website provides secure online applications, pre-qualification tools, and interactive calculators to empower your financial decisions.
Discover a range of mortgage solutions designed to help you purchase your dream home. We’ll work with you to find the perfect fit for your needs and budget.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Whether you’re on the exciting journey of buying a new home, selling your current one, refinancing, or even building your dream haven, your mortgage journey is a significant part of your family’s story. Trusting the right loan specialist becomes crucial in these moments, especially considering the ever-changing market conditions and mortgage landscapes.
As a devoted professional, my mission is to guide you and your family through the mortgage process with care and expertise. I understand the importance of making choices that align with your family’s needs and aspirations. For a more personalized experience and expert advice, I’m just a phone call, text, or email away, ready to assist your family on this exciting journey.
At The Herd Lending, we don’t believe in one-size-fits-all financing. Our comprehensive suite of loan products is designed to serve every type of borrowers —from first-time buyers and veterans to self-employed individuals and seasoned real estate investors.
Browse our core offerings below, or connect with a specialist to discuss your unique needs.
| Loan Type | Best For | Key Benefits & Features |
| Conventional Loan | Buyers with solid credit and a stable income. | The standard for flexibility. Available with down payments as low as 3%; Private Mortgage Insurance (PMI) is cancellable once 20% equity is reached. |
| VA Loan | Eligible U.S. Veterans, Active Duty, and Surviving Spouses. | 0% Down Payment and NO monthly PMI. Generally lower interest rates and flexible qualification standards. |
| FHA Loan | First-time buyers or those with lower credit scores. | Low down payment (as little as 3.5%) and flexible underwriting. A great entry point into homeownership. |
| USDA Loan | Buyers in eligible rural and suburban areas across our states. | 0% Down Payment government-backed loan. Ideal for homes in designated non-urban areas of FL, GA, TX, and VA. |
| Jumbo Loan | High-value properties exceeding the conforming loan limit (typically $806,500). | Financing for luxury and high-cost homes. Higher loan limits with competitive rates and terms for qualified borrowers. |
| Manufactured Homes Loan | Financing a factory-built home that meets FHA, VA, or Conventional guidelines. | Options available for single-wide and double-wide homes, often with down payment flexibility depending on the program. |
| HELOC | Homeowners seeking flexible, revolving access to their home equity. | Home Equity Line of Credit. Provides a flexible line of credit with interest-only payments during the draw period, ideal for renovations or ongoing expenses. |
| Bank Statement Loan | Self-employed individuals and business owners. | Qualify using 12 or 24 months of business or personal bank statements instead of traditional W-2s and tax returns. |
| DSCR Investor / Fix N Flip Loan | Real estate investors focused on rental income or property renovation. | Qualify based on the property’s cash flow (Debt Service Coverage Ratio), not your personal income/tax returns. Fast closing for investment properties. |
| Non-Warrantable Condos | Purchasing in new developments, short-term rental buildings, or condos with unique structural/financial characteristics. | Specialized financing for properties that do not meet strict Conventional condo guidelines. Broadens your property search options. |
| Commercial Loan | Business owners looking to finance office, retail, warehouse, or industrial property. | Financing tailored for non-residential, income-generating real estate in our four service states. |
At The Herd Lending, our core commitment is to providing sophisticated, customized mortgage strategies regardless of where you are purchasing. We know that every loan decision is significant, which is why we’ve built our team around deep product knowledge, transparent communication, and efficient execution.
We distinguish ourselves by focusing on three essential areas that ensure your success:
Mastery of Diverse Products: We don’t limit ourselves to the easiest loans. Our team maintains up-to-the-minute expertise on complex and niche financing options, from Non-Warrantable Condos and DSCR Investor Loans for real estate professionals to flexible Bank Statement Loans for the self-employed. This wide selection means we find the solution that truly fits your financial reality, not the one that’s easiest for us to process.
Precision Underwriting: Our process is built on detailed scrutiny and accuracy. We proactively identify potential issues—such as complex income scenarios or unique property characteristics—early in the process. This rigorous approach dramatically reduces last-minute surprises, ensuring a predictable path from pre-approval to closing.
The Power of the Wholesale Market: We harness the competitive power of the national wholesale market to shop rates and terms from a vast network of lenders. This ensures you receive the most competitive pricing available, all delivered through the convenience and dedicated service of a single, expert point of contact.
Ready to leverage true lending expertise for your next home purchase or refinance?