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Loan Advisor

Megan Higgs

NMLS #77202

Loan Advisor • Gig Harbor Branch

Phone: 253.649.4051
Fax: 253.276.6463
Licensed in WA, OR, CA, and AZ

About Megan


The value of trust cannot be underestimated. It must be earned through honest communication, consistent follow-through, transparency and respect. And when it comes to making one of the biggest financial commitments of your life, it’s important that you have complete confidence in your mortgage advisor. With your interests in mind, I can help guide you through what can be a complicated process and provide you with mortgage solutions you will feel confident in.

I’ve been in the mortgage industry since May of 2001 and I pledge to handle every facet of your transaction with professionalism, dedication and personalized care. It’s my goal that you are 100% satisfied throughout the entire transaction.

At the heart of everything I do is my family. When I am not working, I am spending quality time with my husband and two children enjoying all the activities that the Pacific Northwest has to offer!

I’m proud to be part of American Pacific Mortgage because of the strength of their culture. It has proven to be instrumental in supporting American Pacific Mortgage’s longevity and growth over the years. Through this culture, American Pacific Mortgage is able to attract and retain the highest quality people – which means your loan will always be in good hands. Our culture provides the framework for every decision we make, ensuring your dreams remain our highest priority.

 Let me help you with a smart mortgage solution.

 My Specialties are:


Veteran’s Financing

FHA Specialist

First-Time Homebuyers

Self-Employed/Complex-Income Borrowers

Refinance Specialist

Branch Address: 5151 Borgen Blvd, Suite 101-C Gig Harbor, WA 98332

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog