Herring Bank

Looking to move into a high-value home or purchase a new investment property? As your ambitions grow, a standard mortgage might not be enough. That’s where a Jumbo Loan comes in. It's a type of mortgage that exceeds the conforming loan limits, designed for luxury homes and high-priced properties. For well-qualified borrowers, Jumbo Loans offer the flexibility to finance high-value properties with competitive rates and no private mortgage insurance (PMI). If you're considering a high-value home, our team is here to help you explore your financing options and find the best loan solution for your needs. Learn more: https://xmrrwallet.com/cmx.plnkd.in/gERm2_-9 #JumboLoan #LuxuryHomes #MortgageLoans #HighValueProperties #HerringBank #BankLocal #CommunityBank

Want to learn how to spot common scams and protect yourself and your loved ones from financial exploitation? Join us for our seminar on Financial Exploitation and Scam Prevention. We'll be serving light refreshments, and you could even walk away with a door prize! Here are the details: Date: Thursday, September 18th, 2025 Time: 4:00pm - 5:00pm Location: Herring Bank Board Room, 1900 Pease St., Vernon, TX We hope to see you there! #ScamPrevention #FinancialSecurity #CommunityEvent #VernonTX #HerringBank #FraudProtection #BankLocal

A few customers, simple invoices, and payments by check or cash. At first, it was easy. But then the business grew. More orders. More foot traffic. More people asking, "Can I pay with a card?" Suddenly, what used to work... doesn't. A merchant account helps you keep up, without making your customers wait, guess, or walk away. Because growth is great. But only if your systems can grow with you. Learn more about our merchant services and how we can help your business: https://xmrrwallet.com/cmx.plnkd.in/eyUAHHU6 #SmallBusiness #MerchantProcessing #BusinessGrowth #Payments #HerringBank #BankLocal

Think checking your bank balance daily is obsessive? Think again. It's not obsessive; it's responsible. Checking your bank balance daily helps you avoid overspending and quickly spot any unusual activity, like potential fraud or identity theft. Early detection is key, especially since 1 in 15 people are victims of identity theft each year. By making this a habit, you become your own first line of defense, staying in control of your spending and protecting your finances. Our mobile banking app makes it easier than ever! Learn more about common financial mistakes and how to protect your finances: https://xmrrwallet.com/cmx.plnkd.in/dmQRDZ8A #PersonalBanking #FinancialWellness #Budgeting #FraudProtection #IdentityTheft #SmartMoney #MobileBanking #HerringBank #BankLocal

Are you a homeowner aged 62 or older looking to free up cash without selling your home? Imagine converting a portion of your home's equity into cash payments, without the burden of monthly mortgage bills. That's what a reverse mortgage can offer. The loan is simply repaid when you sell your home, move out, or pass away. This unique solution allows you to access funds for healthcare, home improvements, or lifestyle expenses. You get flexible payout options, like a lump sum, monthly payments, or a line of credit. And the best part? You stay right in your home! And to clear up a common myth: you absolutely retain ownership of your home as long as it remains your primary residence. Discover if a reverse mortgage aligns with your financial goals. Learn more: https://xmrrwallet.com/cmx.plnkd.in/gC8aVHWP Or call us direct at: 1-214-225-3166 #ReverseMortgage #SeniorFinance #HomeEquity #FinancialFreedom #RetirementPlanning #MortgageSolutions #HerringBank #BankLocal

Public Wi-Fi is a lifesaver when you're out and about, but it can also be risky. Many public hotspots are unsecured and can be used by hackers to steal your personal information. They can create fake networks or use "man in the middle" schemes to intercept your data, including banking and credit card details. Here's how to protect yourself: – When possible, use your phone as a hotspot instead. – If you have to connect, always confirm the network name with an employee first. – Never access your bank account or do online shopping while on public Wi-Fi. A little awareness goes a long way to keeping your digital life secure. Learn more about staying safe with Wi-Fi: https://xmrrwallet.com/cmx.plnkd.in/eMwMfHnn #OnlineSafety #PublicWiFi #CyberSecurity #FraudProtection #HerringBank #BankLocal

Buying your next home can be a lot harder than buying your first. You're juggling open houses and school schedules, loan approvals and listings, packing and timing, and that tricky question of where you'll live in between. That's where a bridge loan can help. It gives you short-term financing that lets you buy your next home before your current one sells. This means more flexibility and a lot less panic during your move. Ready to make your next move smoother? Learn more about how bridge loans work: https://xmrrwallet.com/cmx.plnkd.in/eQxEam3y #BridgeLoan #NextHome #HomeSelling #HomeBuying #MortgageSolutions #LifeTransitions #HerringBank #BankLocal

In business, timing is everything. Is your cash flow keeping up with your opportunities? Many businesses face timing gaps between income and expenses, or sudden opportunities that require immediate capital. A business line of credit offers the flexibility to bridge these gaps. Whether it's for inventory, unexpected costs, or seizing a deal, don't let your business lose momentum waiting for overdue payments. Learn how a business line of credit can support your company's growth: https://xmrrwallet.com/cmx.plnkd.in/gHnr-67n #BusinessBanking #LineOfCredit #SmallBusiness #CashFlow #BusinessGrowth #HerringBank #BankLocal

Can you 'afford' a new home around $300k? Generally, you'll want an annual household income of $75,000–$85,000 to comfortably afford it. You'll probably have monthly payments around $2,450–$2,600 that cover your loan, property taxes, and insurance. This number can vary based on your specific situation, like other debt or your down payment. Payment not a problem, but what about the upfront cost? You don't always need a huge down payment! Options like FHA, VA, and Conventional loans mean you could put down as little as 0% to 5%. Our full guide has all the details, plus you can get pre-qualified today! https://xmrrwallet.com/cmx.plnkd.in/g9NThAvV #DreamHome #HomeOwnership #MortgageTips #FirstTimeBuyer #HerringBank #BankLocal

You meant to start saving. You planned to transfer a little each paycheck. But then life kept moving. Consistently saving can feel like a challenge when unexpected expenses arise. Automating your savings by setting up regular, small transfers from your checking to a separate savings account builds momentum without you even noticing. It gives your money a dedicated place to grow. Turn good intentions into real financial progress, helping you build an emergency fund or save for bigger goals, effortlessly. Learn more about getting started with saving: https://xmrrwallet.com/cmx.plnkd.in/dHeehXYW #FinancialFreedom #EmergencyFund #PersonalFinance #BankLocal #CommunityBank