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Relational, Not Transactional

My Approach:

My Goal is to be your Trusted Advisor for Years to Come not One Transaction
Honesty & Integrity to Advise you on what is Best for your Mortgage & Financial Goals
Help Educate & Add Value to you to Make an Informed Decision

Why do ALL lenders Only Focus on Interest Rates?

Low Interest Rates are Important, but It's Time to Start Thinking Differently About Your Mortgage!

knowledge is power

A properly structured mortgage is key to your success.

Should you:

Put 20% Down to Eliminate Mortgage Insurance?
Buy Down Your Interest Rate?
Pay Off Your Home as Fast as Possible?
Do a Cash-Out Refinance or Obtain a Home Equity Line of Credit?

If you don't know the Rules of the Mortgage Game, you can't play the Game Effectively!

The Bigger Conversation

Learn How a Mortgage can be a Financial Tool, not a Liability

Equity Management (Leverage to Fund Retirement, Build a Real Estate Portfolio, etc.)
Debt Management (Payoff High Interest Consumer Debt, There is such a thing as Good Debt)
Monthly Cash-Flow (Debt Consolidation to create monthly cash flow for long term financial strategies)
Liquidity & Safety (Accessible for an Emergency, an Opportunity or Financial Hardship)

Arbitrage Mortgage Interest to Create Wealth Outside of Your Home

Five star Google rating

Tawnie McNeil

The Mortgage United team made my refinance painless, we did all paperwork online. Only one document required a real signature and Kimberly kindly offered to bring it to my house for me to sign. Everyone at the office is extremely responsive. From start to finish, the process took under three weeks. Herman took time to explain everything and educate me on various options. I really got the sense that he cares about the financial well-being of his clients and is not looking to take advantage of anyone. The whole process was a very pleasant experience. I highly recommend Herman and Kimberly at Mortgage United.

Heather Flaherty

I was SO fortunate to have Herman Combs as my personal mortgage planner. He knows the mortgage guidelines and regulations exceptionally well. He explained, in a way that I understood, what my options were and because of that I was able to make a great decision for my home loan. Knowledgeable, thorough and principled. Thank you Herman!

Rudy Drautz

If you are looking for the best Mortgage Planner in the area go with Herman Combs! We were Blessed to have Herman Combs as our Senior Mortgage Planner twice in past few years. Several years ago he helped get us a great loan as we consolidated two mortgages into one making it cheaper and easier to manage. In October 2019 with the mortgage rates going down significantly we again refinanced our loan with Herman at Mortgage United. Both experiences were exceptional. Herman is a man of high integrity who goes out of his way to provide exceptional service and a wonderful experience.

Christina Cramer

This was our first time using a mortgage broker to refinance our home. Herman and Kimberly were amazing! We got an unbelievably low interest rate and their service/attention to detail was great. If interest rates ever go down again, Mortgage United will be our first call.

Steve Hitchcock

It’s hard to fit into this format just how pleased I am with Herman and Adam for their amazing guidance and personal attention to detail they had during our refinance. After working faithfully with another company for the last 10 years and several properties I truly wish I had known about Mortgage United sooner, I would have saved a ton of money and the occasional frustration. Mortgage United has my business from here forward.

Uniting your Home Mortgage & Equity to the Rest of your Financial Strategies & Goals