Sr. Mortgage Advisor

Steven T. Higgins

Sr. Mortgage Advisor NMLS# 219589 Licensed in IL & IN

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(630) 624-8038 (630) 735-2321 STEVE.HIGGINS@PREFERREDRATE.COM

11S230 Jackson Street Suite 101
Burr Ridge, IL 60527
Branch NMLS# 1962183

About Steven T. Higgins

Your mortgage is personal, and I understand that.

Steve Higgins is a Senior Mortgage Advisor with more than 22 years of experience in residential mortgages ranging from Conventional, FHA, VA, HFA,USDA, and Jumbo Loans. He has substantial experience origination of both purchase and refinance transactions and is an expert in product guidelines for Fannie Mae & Freddie Mac and all Government loan types. Steve and his team are committed to providing clients with the highest quality services, combined with the lowest rates available. Steve's goal is to create long-lasting relationships with each of his clients and referral partners so that he may continue providing excellent service for many years to come.
Steve Higgins is a Senior Mortgage Advisor with more than 22 years of experience in residential mortgages ranging from Conventional, FHA, VA, HFA,USDA, and Jumbo Loans. He has substantial experience origination of both purchase and refinance transactions and is an expert in product guidelines for Fannie Mae & Freddie Mac and all Government loan types. Steve and his team are committed to providing clients with the highest quality services, combined with the lowest rates available. Steve's goal is to create long-lasting relationships with each of his clients and referral partners so that he may continue providing excellent service for many years to come.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Steven's clients have to say

NICHOLAS L

Steve was easy to work with. Highly recommend.

Mar 23, 2021

JOHN R

Refinanced in less than two weeks at a lower rate after my previous lender spent 6+ months stretching out my refinancing.

Mar 20, 2021

MICHAEL M

Great loan officer. Would recommend 10/10

Mar 09, 2021

DIANA R

Steve was very helpful. I highly recommend him.

Feb 27, 2021

ANGELICA G

I really appreciate it all your help and work.

Feb 21, 2021

ROBERT E

Steve was great!! He got us the best rate and made sure we knew exactly what to expect. He was even there at the closing, just in case we had any questions.

Feb 18, 2021

BRUCE P

Steve was the best broker I have ever dealt with in over 30 years of buying properties. Thanks again,

Feb 16, 2021

ERIN K

Excellent experience. Steve was very organized and made the process seamless. Very happy

Feb 12, 2021

DAWN B

This was the second time Steve helped me with the financing of my home. He makes it easy and is very efficient in getting the job done. I really appreciate one less thing to worry about because I know he is getting me the best interest rate and handling all of the paperwork so I just have to sign. Highly recommend Steve! ... Read More

Feb 10, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in AZ and NV. AZ Corp BK 0906702. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844-)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”