Deb Higgins - Welcome Home

09/03/2026

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍

A buydown program allows for a temporarily reduced interest rate at the beginning of your loan, which can mean lower monthly payments upfront. 📉🏡

We offer buydown options designed to help buyers ease into homeownership while planning for the future.

Reach out today and let's explore your options together!

For more information on our buydown programs, click here: https://flatbranchhomeloans.com/loan-programs/buydown-programs

09/01/2026

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔

Inventory simply refers to the number of homes currently available for sale in a market. ✅

For buyers, inventory can impact:
🏠 How many homes you have to choose from
💰 How competitive the market feels
⏰ How quickly you may need to make an offer

Understanding inventory is one of the first steps to making a confident homebuying decision. If you're thinking about buying, we're here to help you!

08/29/2026

5.0 star review received on Experience.com for Deb Higgins by Randall P - I've had Deb handle several transactions for me and she always goes above and beyond to make sure it's as pain free as possible for me. Highly recommend.

Click to see all 547 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

08/27/2026

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!

With this loan, you can:
✅ Finance the home purchase and renovation costs with one mortgage
✅ Enjoy one closing and one monthly payment
✅ Make updates like kitchen remodels, flooring, roofing, HVAC upgrades, and more
✅ Access a low down payment option starting at 3.5% for qualified borrowers

A fixer-upper could open the door to more home options and the opportunity to build equity. 🏠

Learn more about our Renovation Loan program here: https://flatbranchhomeloans.com/loan-programs/203k-renovation-loan

08/27/2026

5.0 star review received on Experience.com for Deb Higgins by Abigail E S - We had such a wonderful experience working with Deb while purchasing our first home! She made what could have been an overwhelming process feel smooth and manageable from beginning to end. She was always available to answer our questions, kept us informed throughout the entire process, and truly went above and beyond to help us through any hiccups along the way. We are so grateful for her guidance, patience, and dedication in helping us purchase our first home. We couldn’t have asked for a better experience!

Click to see all 546 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

08/25/2026

Before you start touring homes, a little prep work can go a long way! ✅

Here are a few things we recommend before stepping through the front door:
💰 Get pre-approved so you know your budget
📊 Review your monthly payment comfort zone
📝 Make a list of your must-haves vs. nice-to-haves
🚗 Avoid major purchases that could impact your financing

Whether you're buying your first home or your next one, we're here to help every step of the way!

08/23/2026

5.0 star review received on Experience.com for Deb Higgins by Jordan D S - Deb, and her team were great!

Click to see all 545 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

08/22/2026

5.0 star review received on Experience.com for Deb Higgins by Rebecca M - Deb and your team alway do a aewsone job

Click to see all 545 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

08/20/2026

5.0 star review received on Experience.com for Deb Higgins by Anthony G - X#########

Click to see all 544 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

08/20/2026

Think your credit score is holding you back from buying a home? 🏡 Let's clear up a few common credit myths:

🚫 Myth: You need perfect credit to buy a home.
✅ Reality: Many loan programs are designed for a range of credit profiles.
🚫 Myth: One missed payment means you can't qualify.
✅ Reality: Lenders look at the full picture, not just one moment in time.
🚫 Myth: Credit issues can't be improved.
✅ Reality: Small steps can make a big impact over time.

Not sure where you stand? Let's explore your options together!