Deb Higgins - Welcome Home

06/02/2026

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think:

✔️ You have consistent income and at least 2 years of work history
✔️ Your credit score is in a qualifying range and you are managing debt well
✔️ You have some savings built for a down payment plus closing costs

Want to discuss your options further? Reach out today!

06/01/2026

At Flat Branch Home Loans, we LOVE celebrating homeownership, and this June, we’re making National Homeownership Month even better. 💚🏡 We’re excited to announce the return of our Pay Your Mortgage Sweepstakes!🎉
From June 1-26, homeowners in the states we serve can enter for the chance to have their August mortgage payment covered by Flat Branch. Ten winners will be selected!
We’re proud to celebrate the people, places, and moments that make home special this National Homeownership Month.
Want to enter the sweepstakes? Click here: https://flatbranchhomeloans.com/homeowners-month/

05/31/2026

05/31/2026

At Flat Branch Home Loans, Team Higgins is proud to be rooted in the communities we serve every day.

Across Illinois and Missouri, we're not just helping clients close on homes - we're helping neighbors start the next chapter of their lives. We love getting to know you, celebrating your milestones and being a part of big life moments. It's more than a mortgage - it's about trust and caring about the places we call home.

Thank you for allowing Team Higgins and Flat Branch Home Loans to be a part of your journey - we're grateful for our communities and proud to serve you!

05/30/2026

5.0 star review received on Experience.com for Deb Higgins by George S - Thank you Deb

Click to see all 508 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

05/30/2026

At Flat Branch Home Loans, we LOVE celebrating homeownership - and this June, we're making National Homeownership month bigger and better than ever!

We're excited to announce the return of Pay Your Mortgage Sweepstakes!

That's right...this June we will be selecting 10 homeowners from the communities we serve to have their August mortgage payment covered by Flat Branch.

Entering is quick and easy!! Whether you're a current homeowner, recently purchased a home or simply love where you live, we'd love for you to celebrate with us!

🏠10 winners will be selected from across the states and regions we serve.
🏠Entry period runs June 1st - June 26th
🏠Winners will be announced on June 30th.

At Flat Branch, homeownership is about more than just buying a house - it's about building a life, creating memories and loving the community you call home.

More details and entry form coming Monday June 1st!

05/28/2026

Homeownership looks different for everyone, and choosing your path starts with finding the right loan program. 🏡

Here are the most common options:

🌾 USDA for eligible rural areas with zero down options
🏠 FHA with flexible guidelines and low down payments
🎖️ VA for eligible veterans with zero down benefits
🔑 Conventional for buyers with strong credit and flexible terms

Your path to homeownership should match your goals. 💚 Let's talk!

05/27/2026

5.0 star review received on Experience.com for Deb Higgins by Michael J S - Deb and her team were fantastic! They were exceptionally helpful and delightful. They made the whole process painless.

Click to see all 507 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866