Steven T. Higgins - Sr. Mortgage Advisor with Preferred Rate

Steven T. Higgins - Sr. Mortgage Advisor with Preferred Rate Steven T. Higgins - NMLS # 219589 - Sr.

Mortgage Advisor Preferred Rate - Partnered with American Pacific Mortgage Corporation, NMLS # 1850 Equal Housing Opportunity NMLSConsumerAccess.org

09/01/2026

đź’ł Feeling weighed down by high-interest debt?
Your home equity could be the key to relief.

With the right strategy—like a cash-out refinance or HELOC—you can roll your debt into one lower monthly payment and start saving big on interest.

Let’s turn your equity into a smart financial move.
đź“© Contact us to explore your options!
https://myoc.io/SteveHiggins

NMLS # 219589

08/27/2026

Not every homebuyer is a W-2 employee. And that’s okay.

Today's workforce looks very different than it did 20 years ago. Entrepreneurs, freelancers, real estate investors, retirees, commission-based professionals, and business owners often have income that doesn’t fit traditional lending guidelines.
That’s why we offer a variety of mortgage solutions designed for today’s borrowers.
https://myoc.io/SteveHiggins



NMLS # 219589

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiv...
08/25/2026

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiving.

Windows down. Feet up. No agenda but the road ahead.

What's a memory you made in flip-flops this summer?
https://myoc.io/SteveHiggins



NMLS # 219589

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can...
08/20/2026

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can open up ways to grow your portfolio without the usual paperwork limits. Worth a conversation if you've been holding back.
https://myoc.io/SteveHiggins



NMLS # 219589

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't s...
08/18/2026

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't saving more, it's understanding what's actually available to you. We're happy to walk through the numbers.
https://myoc.io/SteveHiggins



NMLS # 219589

One of the most rewarding parts of being a loan officer is helping individuals and families take meaningful steps toward...
08/13/2026

One of the most rewarding parts of being a loan officer is helping individuals and families take meaningful steps toward homeownership and their future.

No two journeys are exactly alike, and that’s why working with a company that has over 30 years of impact and experience helping people navigate life’s biggest financial decisions is important.

Homeownership is about more than buying a house. It’s about putting down roots, stability for your family, having a place where memories are made and shared, and creating an opportunity for long-term financial wealth.

I’m grateful to be a part of these moments with my clients and our local community.
https://myoc.io/SteveHiggins



NMLS # 219589

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.http...
08/11/2026

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.
https://myoc.io/SteveHiggins



NMLS # 219589

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, an...
08/06/2026

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, and it doesn't have to be a dealbreaker. Mortgage options have evolved. Let's see what fits your situation.
https://myoc.io/SteveHiggins



NMLS # 219589

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify wit...
08/04/2026

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify with credit that isn't flawless. You might be a lot closer to owning a home than you think. Let's look at where you actually stand.
https://myoc.io/SteveHiggins



NMLS # 219589

What if the biggest thing standing between you and your next home is outdated information?Many homeowners assume moving ...
08/03/2026

What if the biggest thing standing between you and your next home is outdated information?

Many homeowners assume moving is too complicated in today's market.

The reality? There may be financing solutions designed to help bridge the gap between where you are and where you want to be.

Before you rule it out, let's explore what's possible.

https://myoc.io/SteveHiggins

NMLS # 219589

Address

11S230 Jackson Street , Suite 101
Burr Ridge, IL
60527

Telephone

+16306248038

Website

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