Why work with Herm Brocksmith...
When it comes to working with a mortgage loan officer,
you have choices. Why choose herm, see below...
Here's what you should expect from a Loan Officer...
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)
6. Great Communication
Throughout the whole process, . Herm and his team of loan processors stay in touch with you regularly and respond quickly. The focus is on moving things forward smoothly so you can close on time.
7. Support for All Kinds of Loans
Your needs might change over time. Herm helps match the right program to your goals, needs and objectives. Herm is there for future loans too, whether it's:
-Cash-Out Refinance
-Home Equity Line of Credit (HELOC)
-Buying Another Home, Second Home or Vacation Home
-Getting a Loan for a Rental or Investment Property
-Or Other Unique Situations
8. Fast and Efficient Process
Once your offer is accepted, Herm's team works quickly and carefully through every step to close your loan as soon as possible—without cutting corners.
9. Easy to Reach & Accessible
Real estate questions don't just happen during business hours. Herm understands that and makes himself available on evenings, weekends, or whenever you need him—by text, email, or phone—to fit your schedule.
10. No Drama, Just Professional Service
The mortgage process should be straightforward and professional—no surprises, no unnecessary stress. You can expect a smooth, respectful experience from start to finish. Working with Herm means personalized help, clear information, and someone who puts your needs first to make buying (or refinancing) your home easier.
Competitive Loan Products
Primary or Secondary Residence, Investment Property
Conventional Loans, FHA Loans, VA Loans
QM & Non-QM Loans
ARM Loans
100% LTV Loans
DSCR Loans
HELOCs for Any Purpose
Bank Statement Loans
Jumbo Loans
Equity Xcelerator Loans
Specialty, Custom & Niche Loans
Social Media Links
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