Sr. Mortgage Advisor

Steven T. Higgins

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

Apply now
(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.

See my reviews
Placeholder

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

BRIAN W

Steve was always available and followed up with us whenever we missed something that needed attention.

Oct 01, 2022

Felicia I

Steve is a true professional. He is very knowledgeable and responsive. It was such a pleasure to work with him. I highly recommend him!

Sep 24, 2022

Matthew G

Steve Higgins professionalism and kindness is absolutely unmatched! He was incredibly helpful and stayed in touch through the whole process. I would highly recommend him to all first time buyers and experienced as well!!

Sep 21, 2022

tyler Dillon (

I’m a first time home buyer and Steve made the experience stress free and was crazy fast with getting me pre approved to look at homes, Steve will definitely lookout for you !

Aug 11, 2022

SALLIE R

Fantastic. Steve is wonderful!

Apr 20, 2022

DEANNA H

Steve was great to work with. He was very thorough, attentive and supportive. I really felt like he was both, an advocate and partner throughout the entire process.

Apr 19, 2022

WINFIELD S

Great and easy company to work with !!

Apr 13, 2022

WALTER F

Had a great experience working with Steve Higgins! THis is the 3rd time Steve has helped me with a mortgage or re-fi. He was on top of the whole process! Highly recommend working with Steve.

Mar 30, 2022

CYNTHIA M

We have had Steve Higgins as our mortgage go to for years. How lucky are we to have met him all those years ago!? He is professional, explains the processes, is always available for questions or concerns and someone I will always work with. ... Read More

Feb 15, 2022

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 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, AZ, 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 NV. AZ Corp BK 1014819. 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.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

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.”

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