Headshot of PJ Higgins

PJ Higgins

Loan Officer

Oceanside, CA Mortgage Lender

NMLS #2157090

206 N Coast Hwy, Suite A and Suite 305
Oceanside, CA 92054
Contact Methods
tel Phone
mobile Mobile
(951) 317-6992
fax Fax
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.


About PJ

Before getting to business, I think it’s important to introduce myself personally to clients. My name is Padric J. Higgins, but you can call me PJ. My wife is an experienced real estate agent, and we have two daughters, ages 16 and 26, and a 23-year-old son. Our eldest daughter is a local nurse, our son is a firefighter and EMT, and our youngest is an aspiring psychologist. We’re a family committed to our community – and that plays into my business, too.

My journey in mortgage lending started 28 years ago, and during that time I aspired to complete my degree in project management from Colorado State University. I’m an expert in home financing and real estate who’s helped many finance their dream home. I’ve devoted many years to learning all facets of lending, including new construction, FHA, streamlined refinances, down payment assistance programs, and more. No matter your goals or circumstances, I’ll provide the knowledge to get it done.

I believe our communities are what we make them. My family and I put time and effort into making our homes and neighborhoods a special place to live. Whether you're buying your first home, moving in, or need a financial boost, I look forward to helping you with your journey.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

Contact Me

A family together in their new home

Financial wellness can be yours


Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it?

Our home equity programs can help you achieve that dream. These include:

  • Closed End Second loan
  • Home Equity Line of Credit
  • Cash-Out Refinance

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.

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Recent Posts and Articles


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 760-585-9731