Flat Branch Home Loans

I do not recommend this loan officer. I had a very and experience. I submitted nearly every requested document within days of applying for pre-approval. After some brief emails at the start, I never received another response—no calls, no updates, nothing. She literally ghosted me on day two. She requested sensitive documents by regular email rather than through a secure portal and sent multiple scattered follow-up emails instead of one clear, organized request. After almost two weeks with no communication, I filed a complaint with the Consumer Financial Protection Bureau. Only then was my file reassigned. The difference was immediate—organized communication, a secure portal for documents, a clear checklist, and underwriting contact the first day. Delays can happen, but lack of communica

Working with Deb Higgins has been nothing short of outstanding. We’ve now purchased four homes with her help, and every single time she has made the process seamless from start to finish. Deb has a way of taking what could easily feel overwhelming and turning it into something smooth, clear, and stress-free. She doesn’t just get the job done, she makes sure you feel cared for and confident every step of the way. What impresses us most is her consistency, her service has been just as exceptional every single time. Knowing Deb is handling things means you can breathe easy, and that kind of peace of mind is priceless. If you’re looking for a mortgage lender who combines professionalism, efficiency, and genuine care, Deb is the one. We couldn’t recommend her more highly.

Deb did an amazing job to get us the best deal she could. I will recommend her to anyone looking to buy a house or for refinancing.

Deb Higgins and Amanda were both great! Made the process very simple, smooth, and easy! Both quickly answered any questions I had along the way, and explained everything happening as the loan progressed to each milestone. Very happy with how everything went! Highly recommended!

I had a truly great experience working with Deb Higgins. She was knowledgeable, patient, and always took the time to explain each step of the process clearly. Deb made everything feel less overwhelming and kept me informed so I could make confident decisions. Her professionalism, attention to detail, and genuine care made the entire experience smooth and stress-free. I would highly recommend Deb to anyone looking for a loan officer who goes above and beyond.