Megan Higgs

Megan Higgs Trusted by buyers. Counted on by agents. Megan Higgs NMLS 77202
Loan Officer | Sales Manager
Lic in AZ, CA, OR, & WA

Equal Housing Lender

Bryte Home Loans Team
powered by Canopy Mortgage, LLC
NMLS 1359687| CA 60DBO45254| OR ML-5379| AZ Corp BK 1012617
Licensed in AZ, CA, OR & WA
Equal Housing Lender
Licensed under the Oregon Consumer Finance Act
Licensed by the Department of Financial Protection and Innovation (DFPI). under the California Residential Mortgage Lending Act. https://canopymortgage.com/privacy-policy/
https://canopymortgage.com/terms-of-use/
https://canopymortgage.com/state-licenses/
www.nmlsconsumeraccess.org

P.S. If you don’t know the answers yet, that’s exactly what I’m here to help with.🤍 Megan
06/20/2026

P.S. If you don’t know the answers yet, that’s exactly what I’m here to help with.

🤍 Megan

06/17/2026

School gets out in June.

And if you’re hoping to be in a new home by the time school starts back up, now is usually when those lending conversations begin.

Late summer and early fall are some of the busiest times of year for moving.

And there are a lot of moving pieces that are easier to sort through before you’re trying to make an offer.

What payment actually feels comfortable?

How much cash do you want to bring into a purchase?

Would you rather put more money down or keep some reserves?

Does your income work the way you think it does from a lending perspective?

Are there any small things worth addressing now instead of discovering them later?

Some of these conversations take as little as 15 minutes.

And then some turn into a plan over the next few months.

Both are completely normal.

The buyers who feel the most confident when the right house shows up later this summer are usually the ones who started asking questions before they needed answers.

You can trust that the right house rarely checks with your timeline before it hits the market.

These first-time home buyers found me online.We had never worked together before. I had not worked with their agent befo...
06/13/2026

These first-time home buyers found me online.

We had never worked together before. I had not worked with their agent before either.

They asked really thoughtful questions. They compared several options. They vetted me against multiple lenders.

And what ultimately made the difference was one simple guideline, one product structure, and one path that fit their goals better than the other options they had been given.

I absolutely love this part of lending.

Not every loan scenario is or needs to be complicated, but every loan scenario does need to be looked at carefully. The right structure can affect affordability, confidence, and how steady the buyer feels from application to closing.

This file moved beautifully until the very end, when a boundary line issue outside of the buyers’ control delayed recording and required an extension. It took clear communication, patience, title follow-up, escrow coordination, and a lot of calm in the middle of something that could have felt incredibly stressful.

And then they closed.

In their new home.

With a loan that fit them well.

Nicole and Josh, thank you for trusting us, asking great questions, and letting us walk this road with you. Your words mean more than you know.

If you are preparing to buy a home and want your options looked at carefully, I would be honored to help.

Let’s connect.
🤎
Megan

06/12/2026

Summer is here, the sun is out and I am apparently now arriving via balloon.

But Realtor friends, the point still stands.

If you can’t get ahold of your lender, what does that mean for your client’s overall home purchase experience?

You have a home buyer who needs answers. That’s not the moment for “I’ll circle back tomorrow” or worse yet, leaving a call or text unanswered, not returned, apparently airborne…

It’s the kind of moment that calls for connection, acknowledgment and action.

An active buyer looking to qualify, curious about payments, questioning their offer strength, wondering if their timeline will work, wanting to feel protected in the process.

So yes, when the phone rings, I’m on my way.

To a quiet spot to make a call.
To my office.
To my desk.
To a WiFi zone on the lake with my laptop.

IYKYK.

Responsiveness matters and when we work together, I’ve got you.

Timely, reliable responses.

No floating around. 🎈

Megan Higgs | Mortgage Loan Originator
NMLS 77202

Introducing: The Other Equity.June feels like a good time to clear a few conditions.Not the loan kind, the life kind.I s...
06/01/2026

Introducing: The Other Equity.

June feels like a good time to clear a few conditions.

Not the loan kind, the life kind.

I spend a lot of time talking about home in the literal sense: buying one, financing one, making smart decisions around one. But there is another kind of equity I care about too.

The kind built in the way a season feels inside your actual life.

Flowers on the counter. A yard corner that gets used. Porch coffee with a book. Spritzers in pretty glasses. Sports with the kids. Pool towels by the door. Small details that make home feel like more than a place you’re trying to keep up with.

Work will happen. Laundry will happen. Real life will happen.

But I want summer to get a place in the week too.

So this is the first note in a series I’m calling The Other Equity, building value in the parts of life that don’t show up on a mortgage statement.

Home with Higgs, in every sense.

What small deposits are you making this season?

Rates don’t fall because buyers are tired.I wish they did.Kevin Warsh was sworn in as Fed Chair today.That is the headli...
05/22/2026

Rates don’t fall because buyers are tired.

I wish they did.

Kevin Warsh was sworn in as Fed Chair today.

That is the headline.

The rate sheet did not get a reset button.

This week, the market was pricing something less fun:

Inflation pressure.
Higher energy costs.
A jumpy 10-year Treasury.
Mortgage rates back in the upper 6s.
A Fed that is not lined up for an easy cut.

So when a buyer asks:

“Does the new Fed Chair mean rates are going down?”

I would not answer with a prediction.

I would answer with a plan.

What payment works today?
What happens if the rate moves again?
Is a seller credit stronger than chasing a small price reduction?
Would a buydown help the first year?
Can we lock before the weekend?
Does this specific house give us room to ask?

For buyers in Pierce, Kitsap, King and Thurston, the answer is not one-size.

Inventory is better than it was.

Affordability is still tight.

Some homes are sitting.

Some homes are still competitive.

A buyer does not need panic.

A buyer needs the number before the house gets emotional.

Agents, this is a good weekend to bring the conversation back to payment, credits, lock timing, and the actual home your buyer is writing on.

Not the headline.

The math.

05/20/2026

Honestly… buyers are in their heads right now.

Fair.

Numbers feel different than they did a few weeks ago.

So yes, people are running the payment again.
Asking more questions.
Looking at the budget a little harder.

I’ve also watched buyers almost talk themselves out of a house over an inspection full of little things that suddenly felt huge all at once.

Most buyers are not making decisions from spreadsheets alone right now.
They’re making them from emotion, uncertainty, headlines, group chats, parents, podcasts and one friend who bought in 2021 and won’t stop talking about their interest rate.

And still…

people are buying houses.
Good houses.
With smart plans behind them.

I think a lot of buyers right now are stuck somewhere between:“I really want this.”and“What if this is a mistake?”They w...
05/13/2026

I think a lot of buyers right now are stuck somewhere between:

“I really want this.”

and

“What if this is a mistake?”

They want the kitchen island.
The movie nights.
The garage.
The yard for the dog.
The extra bedroom.
The quiet bathroom with the giant bathtub and the book they’ll finally have time to finish.

What they’re wrestling with is timing.
Headlines.
Payments.
Fear of making the wrong move.

And honestly? I get it.

Most people who built meaningful wealth through real estate did not buy during a moment that felt perfectly comfortable. They bought when they were ready enough. Usually just a little more ready than afraid.

About 1% more.

Guiding today’s 1% more buyers isn’t pressure or sales tactics.

It’s honest conversations involving solid planning. Understanding people and helping people understand what’s actually possible.

Because sometimes the difference between continuing to rent and building long-term wealth is not that someone suddenly felt fearless.

It’s that they finally felt supported enough to take the step.

Agents… what hesitation are you hearing most from buyers right now?

What a privilege it is to love people this deeply.Even when it looks like cold coffee, piles of laundry, missed calls, w...
05/10/2026

What a privilege it is to love people this deeply.

Even when it looks like cold coffee, piles of laundry, missed calls, worrying too much and asking everyone what they want for dinner until the end of time.

The older I get, the more I realize motherhood is less about the big moments and more about the accumulation of tiny ones.

A hand on your arm while you’re driving.
A text that just says “home?”
And let’s be honest… the text that just says “bruh.”
Watching your kids become people you genuinely admire.

It’s the deepest love I’ve ever known.
And also the kind that keeps a running tab open in your brain at all times.

Today I’m especially thankful for my mom, my mother-in-law, my village, my family, and the women who have loved, guided, supported and shown up for me and my kids over the years.

And for those carrying an ache in your heart today… I’m thinking of you too. 🤍

Happy Mother’s Day to the women walking through motherhood in every form of it.

What you’re doing matters more than you know. 🤍

05/06/2026

Quick VA update for you…

Effective May 1, the VA updated appraisal turn times for our area.

We moved from 14 days down to 8 days (Clark, King, Kitsap, Pierce, Snohomish, Spokane, Thurston).

VA appraisers are expected to complete reports within the assigned timeliness window, so this directly impacts how these files move.

VA loans themselves haven’t changed.
This has always been about the time allowed to complete the appraisal.

VA adjusts these timelines based on market conditions, and this is the latest shift.

If you’re working with VA buyers, worth factoring into how you’re setting timelines and writing offers right now.

Address

5727 Baker Way NW Ste. 102
Gig Harbor, WA
98332

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+12536494051

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