Headshot of PJ Higgins

PJ Higgins

Loan Officer

Padric Higgins Team

NMLS #2157090

2321 Rosecrans Avenue, Suite 1290
El Segundo, CA 90245
tel Phone
(760) 585-9731
mobile Mobile
(951) 317-6992
fax Fax


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

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.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • 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.

  • 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.

  • 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.

  • 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