Home Loan Girl - Ashton Mitchell - NMLS 1266342

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Lexington, SC
Home Loan Girl - Ashton Mitchell - NMLS 1266342

Mortgage expert serving Veterans, First Time Buyers and Move Up Buyers since 2015. NMLS # 1266342
EQUAL HOUSING LENDER | NMLS ID #1124061

Experience the Home Loan Girl difference when it comes to your lender partner in new home purchases, down payment assistance and refinancing.

10/28/2026

I think this is the single biggest reason people wait longer than they need to. A pre-approval doesn't cost a dollar, doesn't lock you into anything, and doesn't obligate you to work with me if you decide to go another direction.

All it does is give you real numbers instead of guesses.

Agents won't take you seriously without one.
Sellers won't either, especially in any kind of competitive situation.
And honestly, most of the anxiety people carry around buying a home comes from not knowing their numbers.

There's genuinely no reason to put this off. The only thing waiting costs you is time.

👉 Apply with me at www.homeloangirl.com, let's get you pre-approved today.

10/21/2026

If you're buying a home that needs a new HVAC system, better insulation, or energy-efficient windows, certain renovation and energy-efficient mortgage programs let you finance those upgrades right into your loan amount instead of paying out of pocket after closing.

This can be a smart move on an older home where you already know an upgrade is coming, especially since you may also see lower utility bills that help offset the slightly higher loan amount over time.

10/14/2026

This is one of the most underused tools I see. On FHA, conventional, and several other loan types, a family member can gift you the full down payment amount. The key word is properly documented. We need a gift letter, proof the funds came from the giver's account, and a paper trail showing the money moving into yours.

Skipping this step, or trying to deposit gift money as cash, is one of the fastest ways to create unnecessary underwriting delays. Do it right from the start and it's seamless.

👉 DM me and let's talk about how to document gift funds correctly.

10/07/2026

I hear this fear constantly from small business owners and contractors. Self-employed income is absolutely usable, it just gets calculated differently. We typically look at a two-year average of your net income from tax returns, and there are bank statement loan programs designed specifically for self-employed borrowers whose tax write-offs make their income look lower than it actually is.

The key is working with a lender who understands self-employed income from the start, not one who panics the moment they see a Schedule C or K1.

👉 Apply with me, let's talk about your specific situation.

10/06/2026

Sometimes all it takes is the right lender who refuses to give up.

If you're a buyer or realtor looking for an exceptional lender partner, visit us at TheHomeLoanTeam.com to learn more or text Ashton at 843.998.5045 with your questions!

09/30/2026

An appraisal gap can feel like a deal-breaker, but there are several ways to work through it.

The buyer and seller can split the difference.
The buyer can bring additional cash to cover the gap.
We can sometimes challenge the appraisal with additional comparable sales data.
Or in certain cases, the loan program itself has some built-in flexibility depending on the final value.

The worst thing you can do is panic and walk away before exploring your actual options. I've saved deals that everyone assumed were dead.

👉 DM me before you panic over a low appraisal.

09/29/2026

Expert VA lending. Clear guidance. No headaches.

If you're a buyer or realtor looking for an exceptional lender partner, visit us at TheHomeLoanTeam.com to learn more or text Ashton at 843.998.5045 with your questions!

09/28/2026

“How much house can I afford?”

It’s one of the biggest questions buyers ask and the answer is not whatever an online calculator spits out.

Your income, debts, down payment, interest rate, taxes, insurance, HOA dues, closing costs and loan program all affect the answer.

But there’s another question that matters even more:

“What payment feels comfortable for my actual life?”

Qualifying for a payment and wanting to make that payment every month are two very different things.

Let’s look at everything, compare your options and build a plan that makes sense beyond closing day.

Stop guessing. Let’s run the real numbers. 🏡

If you're a realtor or buyer looking for a 5 star lender, it's time we connect.

Text - 843-998-5045
Learn more - TheHomeLoanTeam.com
Apply - HomeLoanGirl.com

09/25/2026

“Your credit needs work” is not the same thing as “you’ll never be able to buy a house.”

There are different loan programs, different credit requirements and different strategies depending on what is actually affecting your score.

You may need to pay down a balance, correct an error or simply give something more time. But you won’t know until someone examines the complete picture and gives you a specific plan.

Please don’t spend years counting yourself out because you were embarrassed to ask.

You do not need perfect credit to start the conversation. You need honest answers, real numbers and someone willing to show you the next step. 🏡

If you're a realtor or buyer looking for a 5 star lender, it's time we connect.

Text - 843-998-5045
Learn more - TheHomeLoanTeam.com
Apply - HomeLoanGirl.com

09/23/2026

Your VA entitlement isn't a one-time-use benefit. Depending on your remaining entitlement and the county loan limits where you're buying, you may be able to use a portion of your benefit on a new home while still carrying a VA loan on a previous property, whether that's a rental you're holding onto or a home in another state from a PCS move.

This is especially powerful for military families who relocate frequently and want to build a real estate portfolio along the way instead of starting over with conventional financing every time.

👉 DM me and let's talk through how this could work for you.

Address

528 Columbia Avenue
Lexington, SC
29072

Website

http://www.HomeLoanGirl.com/

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