Headshot of Christopher Higgins

Christopher Higgins

Loan Officer

Carbon Team - Pearl River

NMLS #1995379

19 N. Main Street, Suite A
Pearl River, NY 10965
Contact Methods
tel Phone
(845) 296-9158
mobile Mobile
(845) 304-3072
fax Fax


About Christopher

When we work together, you are my number one priority. I make sure to listen to all of your needs so we can come up with a plan that leads to your success during the home financing process.

I’m driven, eager, and I love learning new things every day. I’m also compassionate, which ultimately enables me to help people like you even more. I am ready to give you the outstanding home loan experience you deserve, and my recommendations will respect your individual circumstances.

From FHA and VA to conventional and jumbo, I offer a wide range of loan programs for buying, refinancing, or renovating. I can find a solution for you and be your guide through your homebuying journey, whether you’re a first-time homebuyer or a long-time homeowner.

Throughout every step, I’ll communicate with you and everyone involved in the transaction so there are never any surprises. I’ll always be available as your resource, from application to closing and beyond.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (845) 296-9158