Having helped thousands of local homebuyers realize their dream and secure a more prosperous future for their families, I understand the complexities of our local lending market and have the tools to help you succeed! I created our team to serve you. My commitment to you is that my team WOW you every step of the way. Ashley has a background that encompasses 10+ years of customer service.
She has the motivation to go above and beyond, ensuring success and satisfaction of our clients. Ashley is a licensed loan officer assistant and always makes herself available to help the process run as smoothly and quickly as possible. You are sure to hear her smile when talking to her on the phone. Ashley has a huge support system at home in Talib.
He encourages every passion and dream she has. They share six amazing girls: Bilqis, Jasmine, Jordyn, Jaida, Willow and Lavender. The girls keep her extremely busy with their non-stop sports activities. When she isn't closing loans, working on marketing materials, making you smile or being the best soccer mom she can be, you are sure to find her at the Mariner's game or on a softball field near or far playing the game she loves.
She has the motivation to go above and beyond, ensuring success and satisfaction of our clients. Ashley is a licensed loan officer assistant and always makes herself available to help the process run as smoothly and quickly as possible. You are sure to hear her smile when talking to her on the phone. Ashley has a huge support system at home in Talib.
He encourages every passion and dream she has. They share six amazing girls: Bilqis, Jasmine, Jordyn, Jaida, Willow and Lavender. The girls keep her extremely busy with their non-stop sports activities. When she isn't closing loans, working on marketing materials, making you smile or being the best soccer mom she can be, you are sure to find her at the Mariner's game or on a softball field near or far playing the game she loves.
Services
Need financing options on a home, or other real estate?
Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting by seeing if you're pre-approved.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "28/36."
This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).
Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting by seeing if you're pre-approved.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "28/36."
This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
An ARM is an Adjustable Rate Mortgage.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The initial interest rate of an ARM may be lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Adjustable Rate Mortgage Qualifier.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The initial interest rate of an ARM may be lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Adjustable Rate Mortgage Qualifier.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA).
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FHA Loan Qualifier.
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FHA Loan Qualifier.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA), protecting the lender.
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our VA Loan Qualifier.
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate.
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our VA Loan Qualifier.
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate.
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