Love Your Neighbor Mortgage Team

Love Your Neighbor Mortgage Team Barrett Herminghaus
Loan Officer NMLS #1080121
Homespire Home Loans is a Division of NFM Lending, LLC (homespirehomeloans.com) NFM NMLS #2893.

Branch NMLS #2647133 Equal Housing Lender. nmlsconsumeraccess.org

06/11/2026

That "great rate" you found online might come with some fine print.

Many advertised mortgage rates are based on specific assumptions, such as a large down payment, excellent credit, or paying discount points upfront to buy down the rate. While those scenarios may work for some borrowers, they don't tell the whole story for everyone.

The most important thing isn't finding the lowest advertised rate. It's understanding what that rate actually costs and whether it makes sense for your situation.

At Love Your Neighbor Mortgage Team, we believe in transparent communication and helping you understand all your options so you can make informed decisions with confidence.

Have questions about rates, points, or the home financing process? Let's talk.

📞 401-524-1116

Gratitude is the first word that comes to mind when I look back on May. Thank you to my incredible clients, realtor part...
06/10/2026

Gratitude is the first word that comes to mind when I look back on May. Thank you to my incredible clients, realtor partners, and team for making this recognition possible.

A great friend shares the name of a lender they trust.This National Best Friends Day, a big thank you to the friends, fa...
06/08/2026

A great friend shares the name of a lender they trust.

This National Best Friends Day, a big thank you to the friends, family members, past clients, and referral partners who send people my way. There’s no greater compliment than being trusted with someone’s homeownership journey.

If someone you know is thinking about buying a home, refinancing, or just has questions about the mortgage process, I’d be honored to help.

Happy National Best Friends Day! 💜

When people hear "VA loan," they often assume it's only for active-duty military members.The truth is, eligibility exten...
06/04/2026

When people hear "VA loan," they often assume it's only for active-duty military members.

The truth is, eligibility extends to many veterans, National Guard members, reservists, and some surviving spouses.

In fact, one of the most common conversations I have is with someone who wasn't sure they qualified, only to discover they did.

If you've served, or you're not quite sure whether your service history makes you eligible, it's worth asking the question. You may have a valuable homeownership benefit waiting for you.

Have questions about VA loan eligibility? Let's talk. I'd be happy to help point you in the right direction.

06/03/2026

Think your mortgage payment is locked in forever because you have a fixed interest rate? Not necessarily.

While a fixed-rate mortgage keeps your principal and interest payment stable, other parts of your monthly payment, like property taxes and homeowners insurance, can change over time. When those costs increase, your total monthly mortgage payment may increase too.

It's one of the most common questions homeowners have, and understanding how it works can help you avoid surprises down the road.

Have questions about your mortgage payment, escrow account, or homeownership in general? I'm always happy to help.

📞 401-524-1116

Homeownership looks great on you. 🏡✨Whether you're already settled into your dream home or still imagining what that nex...
05/29/2026

Homeownership looks great on you. 🏡✨

Whether you're already settled into your dream home or still imagining what that next chapter could look like, there's something special about having a place that's truly yours.

If buying a home is one of your goals, you don't have to figure it all out on your own. I'm here to answer questions, explore options, and help you understand what's possible, without the pressure.

Ready to take the first step? Please don't hesitate to reach out to me at any time!

05/29/2026

Mortgage tip of the week 👇

Did you know mortgage rates can change DAILY?

That means comparing one lender’s quote from Monday to another lender’s quote from Wednesday may not actually be an apples-to-apples comparison.

If you’re shopping for a home loan, try to get all of your quotes on the SAME day so you can truly compare rates, costs, and options side by side.

Transparency matters, and understanding the process can save you money and stress along the way.

Questions about buying, refinancing, or comparing loan options? I’m always happy to help.

📞 Barrett Herminghaus
Love Your Neighbor Mortgage Team
401-524-1116

This recognition means so much because it represents the people behind every transaction. Thank you to my clients, realt...
05/29/2026

This recognition means so much because it represents the people behind every transaction. Thank you to my clients, realtor partners, and team for an amazing April.

One of the biggest misconceptions about VA loans? That you only get to use the benefit once.Not true.Your VA loan benefi...
05/28/2026

One of the biggest misconceptions about VA loans? That you only get to use the benefit once.

Not true.

Your VA loan benefit can often be used multiple times throughout your life, whether you’re relocating, upsizing, downsizing, or buying again after selling a previous home.

You earned this benefit through your service, and understanding how it works can open more doors than many people realize 🇺🇸

Whether you've used your benefits before or you're a first-time buyer exploring your options, let's talk!

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Frisco, TX

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Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 5pm
Thursday 8am - 8pm
Friday 8am - 4pm
Saturday 9am - 1pm

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