The Informed Friend You Wish You Had When Buying a Home.
I'm Trevor Higgins — NMLS #1410557 — and I've been a mortgage loan officer in Charlotte, NC for over 12 years. I'm a branch manager at Fairway Home Mortgage, where I lead a small team focused entirely on getting buyers and investors to the closing table without surprises.
I'm also a Charlotte real estate investor myself. That's not a marketing line — I own investment properties and I've personally navigated DSCR loans, cash-out refinancing, and portfolio building. When an investor sits across from me, I'm speaking from experience, not a script.
"The mortgage process can feel intimidating — especially if no one's taken the time to actually explain your options. That's the job I'm here to do. Not to sell you a loan, but to be the informed friend who helps you make the best financial decision for your situation."
I'm also a father of three girls — which keeps me grounded in what families actually need from a lender: clarity, timelines that stick, and no last-minute surprises. Those aren't taglines. They're what I'd want if my family were on the other side of the table.
My team closes 98% of loans on time. We average a clear-to-close 7.2 days before the contract date. Those numbers come from building a process where your agent, title company, and appraisal are all coordinated early — not scrambling in the final week. We also send weekly milestone updates so you're never in the dark about where your loan stands.
Outside of lending, I host the Bringing It Home podcast — a show for Charlotte-area home buyers and real estate investors covering market updates, investor strategies, and plain-English mortgage education. I speak at industry events and real estate investor meetups across the Carolinas.
Whether you're buying your first home in Charlotte, scaling a rental portfolio with DSCR loans, or somewhere in between — my team and I are here to give you the full picture and get you to the finish line.
