Deb Higgins - Welcome Home

10/15/2026

Your home's equity could be a valuable financial tool! 🏡

A Home Equity Line of Credit, or HELOC, allows homeowners to borrow against the equity they've built in their home. Unlike a traditional loan, a HELOC provides flexible access to funds over time, so you can borrow what you need, when you need it.

Whether you're planning home improvements, consolidating debt, covering education expenses, or preparing for a major purchase, a HELOC may offer the flexibility to help you reach your goals!

Have questions about how a HELOC works or if it's the right fit for your situation? Reach out today! 💚

10/14/2026

🏡 Making homeownership happen is about more than closing loans, it's about helping families build a future.

I'm grateful to have helped 8 families achieve their homeownership goals, representing $1,221,366 in total financing. Thank you to my clients, referral partners, and everyone who trusted me to be part of such an important milestone.

Here's to helping even more families find their way home! ❤️

10/14/2026

5.0 star review received on Experience.com for Deb Higgins by Daniel B - Deb and her team went way above and beyond the expectations I had for this type of service. They basically went to battle for me and I'm sure that they worked tirelessly on my loan approval well beyond normal business hours. I give them 10 out of 5 stars and will shout my recommendations for them from the rooftops!

Click to see all 560 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

10/13/2026

Wondering what factors can influence mortgage loan approval? 🏡

Lenders look at several pieces of your financial picture, including:
💳 Your credit history and credit score
💼 Income and employment stability
📊 Your debt-to-income ratio
🏦 Available assets and savings

Understanding these factors can help you feel more prepared and confident as you work toward your homeownership goals. 💚

Let's connect and discuss your options!

10/12/2026

5.0 star review received on Experience.com for Deb Higgins by Margaret G - Thank you guys for helping us out and working quickly when our close was rescheduled last minute.

Click to see all 560 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

10/11/2026

5.0 star review received on Experience.com for Deb Higgins by Joe N - Deb is very knowledgeable, honest and goes above and beyond to make people like myself feel comfortable throughout the whole process...

Click to see all 559 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

10/08/2026

5.0 star review received on Experience.com for Deb Higgins by Kelli A - Efficient and precise as always, thank you for your help!

Click to see all 557 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

10/08/2026

5.0 star review received on Experience.com for Deb Higgins by Tasha C P - Deb and her team made a very difficult process very manageable and we can't thank them enough!

Click to see all 557 reviews of Deb Higgins, Senior Mortgage Banker | NMLS # 189866

10/08/2026

Market value and appraisal value may sound similar, but they can mean two different things when you're buying a home. 🔑

🏠 Market Value: What a buyer is willing to pay for a home based on current market conditions
📋 Appraisal Value: A licensed appraiser's professional opinion of the home's value based on factors like condition, location, and comparable sales

Understanding the difference can help you navigate the homebuying process with confidence!

Have questions about how an appraisal could impact your loan? We're happy to help! 💚

10/06/2026

Clear communication is key to a smooth homebuying experience. 🤝 While working through your mortgage, here are a few questions we recommend asking:

📅 What milestones should I expect before closing?
🚫 Are there any financial moves I should avoid before closing?
✅ What can I do to help keep my loan on track?

Asking questions throughout the process can help prevent surprises and ensure you know what to expect from application to closing. We're here to help you navigate every step with confidence. 💚