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Flat Branch Home Loans - Deb Higgins

2724 A. Grovelin Godfrey, IL 62035

Meet Deb

Deb Higgins has 35+ years of experience providing home loans to the residents of the River Bend area. She offers a variety of mortgage lending products to fit the needs of her clients including FHA VA Conventional and USDA Rural Housing home loans for purchase or refinance of a currently owned home. She also handles the Alton and Madison County 1st Time Home Buyers as well as the Illinois Housing Development Authority down payment assistance programs. Her company offers exceptional customer service, complimentary preapproval before you shop for a home and they service most of their loans after closing.

"Our office provides hometown service with local processing and underwriting. Those decisions are made right here in town, not at some far off location where you’re only a name on a piece of paper. We provide our customers with service “for life”, as your needs change we will be there to help you through those changes. Whether you’re looking for a first time home buyer loan, a refinance of your current home loan or are looking to build your dream home or perhaps considering downsizing, we will be there with you."

To apply you can call 618.467.5626 and we can get you preapproved either over the phone or in-person or you can apply online at

Why Choose Flat Branch?

Why Choose Flat Branch Home Loans?

With our 27 years of experience in your community with USDA, FHA, VA, and conventional loans, our loan specialists can help you on your path to homeownership.

We can help you purchase a home or refinance. Whether you’re looking to purchase a new home or refinance your existing property, contact us to get started.

How long does it take?

Our average time from prequalification to closing (i.e. you get the keys) is just 30 days. Just like every family and home, every loan is different, but we’re here every step of the way to help you buy a home.

Apply Online

Easy Pre-Qualification Process Start your online prequalification today! Our team will guide you through the homebuying process.

To apply you can call 618.467.5626 and we can get you preapproved either over the phone or in-person or you can apply online at


Illinois Residential Mortgage LicenseeMortgage Banking (MB)

License Number:  MB.6850054

Flat Branch Mortgage, Inc. dba Flat Branch Home Loans, Fast Forward Home Loans

Illinois Department of Financial and Professional Regulation (IDFPR)

James R Thompson Center (JRTC)

100 West Randolph Street - 9th Floor

Chicago, IL 60601

General Inquiries:  1-888-473-4858

Division of Banking Direct:  1-844-768-1713


Views: 40753 | Updated: May, 31, 2022 | Added: Jul, 16, 2010

200 W. Third Street | Alton, IL 62002
Suite 200