Zoe Higginson Mortgage Loan Originator Nmls#1859163

10/20/2026

A little bit of everyone involved in getting you to the closing table! 🏡

From buyers and realtors to title companies and underwriters, communication makes everything smoother and keeps the process moving from pre-approval to closing day.

If you're buying a home or have a client who needs financing, let's connect! 📞

CONTACT INFO:
👤 Zoe Higginson | NMLS #1859163
📱 239.849.0387
📧 [email protected]

10/15/2026

From your first home to your next investment property, I’m here to help you navigate the mortgage process with personalized guidance, a wide range of financing options, and a plan built around YOUR goals.

With deep roots in SWFL and the strength of Fifth Third Bank behind me, you get the best of both worlds: local expertise, personalized service, and the resources of an established financial institution. 🤝

Your homeownership goals deserve a game plan. Reach out to me today to get started!

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 𝐈𝐍𝐅𝐎:
Zoe Higginson, Loan Originator
📱 239.849.0387
📧 [email protected]
NMLS # 1859163

10/13/2026

You look like my next client, IF…

You’re a first-time homebuyer and don’t know where to start. You’ve been told “no” by another lender. You’re self-employed or have a unique financial situation. You’re looking to purchase an income producing investment property.

Or you simply have mortgage questions and want someone to actually talk them through with you.

Whatever your situation, I’m here for you!! Reach out to me today, I’m happy to help!! You might just be my next client. 😉

𝘾𝙊𝙉𝙏𝘼𝘾𝙏 𝙄𝙉𝙁𝙊:
👤 Zoe Higginson | NMLS #1859163
📱 239.849.0387
📧 [email protected]

10/08/2026

𝗜 𝗟𝗢𝗩𝗘 𝗛𝗘𝗟𝗣𝗜𝗡𝗚 𝗩𝗘𝗧𝗘𝗥𝗔𝗡𝗦! ❤️ 🇺🇸 Two other lenders said no and I said let's make it happen!

After four months of searching for the right home, these buyers ended up finding a condo that was not on the VA approved list. I submitted a VA condo waiver and got full approval in just 11 days!!! When others said no, I was committed to finding a solution and getting this couple into their own home. Your homeownership goals deserve someone who wont give up and will figure out a way to get you to the finish line. Reach out to me today to get started!

Congratulations to these amazing new homeowners! 🔑

CONTACT INFO:
👤 Zoe Higginson | NMLS #1859163
📱 239.849.0387
📧 [email protected]

10/05/2026

A mortgage is more than just numbers. It's about finding the right strategy to meet your goals. That’s where I come in! I’m passionate about finding creative solutions, thinking outside the box, and guiding my clients seamlessly to the closing table.
Here’s how I help:
🏡 For Buyers: I’ll help you understand your options, structure your financing, and build a clear plan tailored to your goals.

🤝 For Realtors: I’m your go-to resource from pre-approval to closing. With clear communication, updates, and solutions, I will keep your transactions on track so you can focus on what you do best...SELLING HOMES!

While I have more tools and resources available to me today, my approach hasn’t changed. You’ll always get the same personal service, accessibility, and dedication you expect from me!!

Reach out to me today with any questions. I'd love to chat!!

CONTACT INFO:

👤 Zoe Higginson | NMLS #1859163
📱 239.849.0387
📧 [email protected]

09/28/2026

🚨𝐁𝐈𝐆 𝐍𝐄𝐖𝐒!!! 🚨

After almost 8 years with Mortgage 1, I’m excited to announce that I’ve joined Fifth Third Mortgage!

With this move comes more programs, more resources, and more opportunities to help my buyers and real estate partners find the right financing strategy and get more deals to the closing table.

The name behind me may be changing, but my expertise and personal service is not going anywhere!! If you have questions or want to chat about what’s new, please reach out to me. I’m so excited for this next chapter and look forward to working with you all!

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 𝐈𝐍𝐅𝐎:
📱 239.849.0387
📧 [email protected]

03/19/2026

03/11/2026

Great News!!!!

Big privacy news for homeowners: a new federal law (the Homebuyers Privacy Protection Act) now restricts “trigger leads.” In the past, when a lender pulled your credit for a mortgage inquiry, the credit bureaus could sell that information to other lenders—often leading to a surplus of unsolicited calls and texts.

Now, your information is better protected and can no longer be sold to other lenders that you are not working with. If you have questions about the Mortgage 1 loan process, feel free to give me a call at 239.471.3696

12/09/2025

✨ 💎Denim and Diamonds💎✨

Had a great time at the Royal Palm Coast Realtor Association 2026 installation gala!