Home Loans with Darcy


Hi, I'm Darcy!


Your Friendly Mortgage Expert

You and your family are important to me! I am committed to giving you all the support and guidance you need to find the right mortgage options for your life. Almost anywhere you want to buy a home in the US, I am there for you!

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The Darcy

Difference

  • I work with over 100 lenders to get the best price for you
  • I can save you an average of $9,000 on your home loan
  • I can work for you anywhere in the United States
  • I am with you from start to finish - and beyond!

There are a lot of loan options – let’s find the right one for you.


Whether you're looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.

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Conventional Loans

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FHA Loans

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Jumbo Loans

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USDA Home Loans

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VA Loans (Veterans Affairs)

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Additional Loan Programs

Where can I help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, I've got the answers.

Select a module

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First Time Homebuyer

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Veteran

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Refinancing

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Realtor

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What my clients say

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"From the beginning Darcy was easy to work with. You felt like she was already a friend and would do whatever she could to help you.  Darcy was so professional, available, knowledgeable and helpful. She never made us wait for answers and was able to secure a great rate for us. She went with us every step of the way and our closing was a breeze!"

Julie Elmendorf

"Darcy was amazing! She was very attentive and helped us every step of the way. As first time home owners it was reassuring to have Darcy on our side. I would definitely work with her again."

Jessica McDonald

"As a real estate agent I always appreciate and rely on Darcy’s availability to me and my clients. She is quick to respond and always follows up with us in meeting our needs. She is a pleasure to work with."

Leigh Ann Gentry

"Darcy was amazing and patient with us from start to finish. We were able to refinance at a great rate, shaving years off our previous loan and barely paying more monthly. It was all a great experience and Darcy made everything super easy for our busy family!"

Heather Martin

The answers to all your mortgage questions:

I'm committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

About Darcy Highfill

Meet Darcy

Helping you is my privilege

I am Darcy Highfill and I find it a privilege to serve my clients and realtors alike. When I am not working, I am a wife to my wonderful husband, Adam, and a busy mom of my two beautiful girls. I love to travel (especially to the beach) and explore the world God has given us! I also enjoy spending time with my family and friends. I think it is so important to treat others as you would like to be treated; therefore, I will always strive to give you my best. I hope to be able to serve you too!


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