My customers have told me they want a very specific type of relationship with a Mortgage Loan Officer and that's how I have built my business. You want a relationship built on trust, reliability, and the ability to get your loan done right.

1. Relaxed and Stress-Free Experience

Buying a home is a big deal—it's often the largest purchase you'll ever make. Herm takes time to explain everything clearly, share helpful financial tools, and answer all your questions. There's no cost upfront, and no pressure. The goal is to help you feel confident and calm while making smart choices.

2. Lots of Loan Options

Herm has access to hundreds of different mortgage programs. Unlike many banks or credit unions that push just one or two "standard" loans, he looks at your specific situation (income, credit, goals, etc.) and finds the best fit for you—with good rates and terms that match what you need.

3. Getting Ready for Pre-Approval

Before jumping into the official pre-approval, Herm works with you to check if you're ready. This includes reviewing your down payment savings, credit scores and history, income, and which loan programs might work best. He'll also give you a clear list of documents you'll need to gather. Once everything looks good, you move forward to pre-approval.

4. The Power of Pre-Approval

Getting pre-approved gives you real strength as a buyer. You'll know exactly:

-How much house you can afford each month

-The purchase price range you qualify for

-Which loan programs fit you

Pre-Approval makes you a serious buyer in the eyes of real estate agents and sellers. Your offers stand out, carry more weight, and help you close faster.

5. Free Helpful Tools and Calculators

Herm provides easy-to-use tools at no charge to help you make informed decisions, including:

-Home Affordability Calculators

-Buy vs. Rent Comparisons

-What Happens if You Wait (costs of delaying your home purchase vs. home value

appreciation growth, based on current rates and projections)

-Full Loan Payoff Schedules (amortization schedules)

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