Buying a home? Need a lower rate or monthly payment right NOW!

Get a FREE quote on a home refinance that could save you thousands of dollars per year.

Troy Higgs Let me help you through the process

Troy Higgs Headshot

Phone: (443) 222-9992

Cell: (443) 415-6605

Email: thiggs@polarishomeloansllc.com

NMLS: 851762  View Licensed States 

Hi, I'm Troy Higgs, a licensed loan officer with the Baltimore, MD Center of Polaris Home Loans, LLC.

This is my personal Loan Officer Landing Page, where you can find out a little bit more about me and how I can help you with any home loan needs.

If you choose to work with me, you should expect to work with a sincere and passionate advocate who will tailor the best mortgage options to help you achieve your financial goals. I look to establish lasting relationships with my clients, and I want to be someone they know and trust. My clients will have no doubt that I am in their corner every step of the way. My goal is to become a resource you can turn to not only for your own needs but for the needs of your friends and loved ones as well.

I look forward to learning more about you and how I can be of service. Call or shoot me an email today and share with me your financial aspirations, and I'll get you started down the right path.

A little about me to help you get a sense of who I am.  I grew up in Baltimore, MD.  I now reside in White Marsh, MD. In my free time, I enjoy home brewing and horology.

As a Loan Officer, I am committed to helping you traverse the diverse terrain of the mortgage process. I am easy to reach and easy to talk to. Mortgage loans can be complicated, and with all the options available today, it's critical for you to partner with someone you trust. Get in touch and let me show you firsthand what exceptional service looks like.

I look forward to getting to know you; reach out today!

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether you're a first-time homebuyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
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