Ask Ash About Mortgages

Ask Ash About Mortgages Servant leader and Senior Mortgage Advisor, in Miami, FL but serving the entire Sunshine state.

04/25/2026

The biggest misconception about buying your first home… is thinking you can’t 🏡❌

I hear this every single day:

💭 “My credit isn’t perfect”
💭 “I changed jobs, I have to wait 2 years”
💭 “I don’t have enough money”
💭 “I’m not sure if I can use my 401(k)”

Here’s the truth…

You don’t need perfect credit
Changing jobs doesn’t always disqualify you
There are low down payment programs available
And yes—your 401(k) may be an option

What’s holding most people back isn’t their situation… it’s the wrong information.

El mayor error sobre comprar tu primera casa… es pensar que no puedes hacerlo

Escucho esto todos los días:
“My crédito no es perfecto”
“Cambié de trabajo, tengo que esperar 2 años”
“No tengo suficiente dinero”
“No sé si puedo usar mi 401(k)”

Aquí está la verdad…

No necesitas crédito perfecto
Cambiar de trabajo no siempre te descalifica
Existen programas con bajo pago inicial
Y sí, tu 401(k) puede ser una opción

Lo que detiene a la mayoría de las personas no es su situación… es la información incorrecta.

04/22/2026

Important or not important?
Let's talk about the things people think matter a ton, versus the things that actually take priority.

And yes, 20% down for a home is on here.
What else do we need to cover as far as what is actually important?

04/21/2026

Your home isn’t just where you live… it’s where your wealth is hiding

If you’ve got equity, you could be sitting on cash that can:
✔️ Pay off high-interest debt
✔️ Fund your next investment
✔️ Give you financial breathing room

And most people don’t even realize it.

Here’s how you can tap into it:

Cash-Out Refinance
Turn your home equity into cash—use it to consolidate debt or reinvest smarter.

DSCR Cash-Out (Investors)
No income docs needed. Qualify based on rental income and scale your portfolio faster.

ITIN Cash-Out
No SSN? No problem. You can still access your equity and build wealth.

VA Cash-Out
For veterans & active duty—tap into your home’s value with flexible guidelines (even up to 100% in some cases).

⚠️ This isn’t about more debt—it’s about using what you already have more strategically.

📩 DM me “EQUITY” and I’ll break down what your home can do for.

Most people don’t see this side of the business.The late files.The “this deal might fall apart” calls.The loans that wer...
04/13/2026

Most people don’t see this side of the business.
The late files.
The “this deal might fall apart” calls.
The loans that were told no… before they ever got to us.

This past month has been heavier than usual — more rescue deals, more problem files, more families needing real solutions, not surface-level answers.

And that’s where we show up.

Not just to quote rates… but to structure the deal, protect the payment, and get it to the finish line when it actually matters.

Proud of this team for pushing every single one through.
Proud to be a small part of big moments for so many families.

Because at the end of the day…
HOME isn’t just a transaction.

It’s where everything happens.

La mayoría de la gente no ve este lado del negocio.
Los archivos a última hora.
Las llamadas de “este préstamo se puede caer.”
Los clientes que ya habían recibido un no… antes de llegar a nosotros.

Este último mes ha sido más intenso de lo normal — más rescates, más archivos complicados, más familias que necesitaban soluciones reales, no respuestas superficiales.

Y ahí es donde nosotros aparecemos.

No solo para dar tasas… sino para estructurar el préstamo, proteger el pago mensual y llevarlo hasta el cierre cuando realmente importa.

Orgullosa de este equipo por sacar adelante cada uno de esos casos.
Y agradecida de ser una pequeña parte de momentos tan grandes en la vida de tantas familias.

Porque al final del día…
un hogar no es solo una transacción.

Es donde todo sucede

04/08/2026

Yes, you heard it right, instead of two years of dreaded "high roller" taxes to buy a home- give the team and I a call!

3.5% down as a first time home buyer with proof of business for two years minimum.
NO need for tax returns- I don't see the losses, only the possibilities.

3.5% down, FHA profit and loss loan. Perfect for realtors, 1099 borrowers, and business owners.

No gimmick's, just solving problems for the self employed, that's what I am really good at, and my team is trained to be that good at it too!

786 769 5444
#1099

This feedback is everything.I'm not going to pretend this job is easy. Late nights. Sick days we push through. Clients w...
03/25/2026

This feedback is everything.

I'm not going to pretend this job is easy. Late nights. Sick days we push through. Clients who come to us lost, stressed, and running out of time — and we figure it out anyway.

But THIS is why.
First-time buyers who were completely lost in the process — and left feeling supported every single step.
A Keys home secured without a hitch.
A family with less than a month to move — closed in under 30 days.

None of this happens without my team.
Melody. Val. Our processors. Every single person who answers the call, runs the file, and shows up.

I'm not the whole story. I'm just the name they remember. The team is the reason it works.

To every client who trusted us with one of the biggest moments of your life — thank you. Genuinely.

We don't take that lightly. Not once. Not ever.

4MG Mortgage — where the whole team shows up for you

03/20/2026

Let's blink rank somethings that we can do before or during the home buying process
Do you have anything we can do another "5 Blind Ranking 1-5 purchasing a home edition" with?

Nobody teaches you this stuff. They just let you believe the 20% myth and wait.The truth is most buyers get in for way l...
03/12/2026

Nobody teaches you this stuff. They just let you believe the 20% myth and wait.

The truth is most buyers get in for way less — and with the right plan, closing costs don't have to stop you either.

Swipe through.

This might change everything ➡️

Free appraisal. Up to $600 in savings. Zero catch.Through April 30th, we're covering it on every purchase — Conventional...
03/11/2026

Free appraisal. Up to $600 in savings. Zero catch.
Through April 30th, we're covering it on every purchase — Conventional, FHA, VA, USDA, and Jumbo.
📲DM me "FREE" or call (786) 769-5444 before this is gone

Address

3105 NW 107th Avenue #400
Doral, FL
33172

Opening Hours

Monday 9:30am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 11am - 3pm

Telephone

(786)7695444

Website

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