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.

09/09/2026

This is one of the most important things I tell every single client. A pre-approval is based on a snapshot of your finances at the start of the process. A clear to close means underwriting has fully verified everything and you are ready to sign at the closing table. Between those two points, anything that changes your credit, income, or debt can put your loan at risk.

That means no new credit cards, no new car loans, no big furniture purchases on credit, and no job changes until after you close. I've seen deals fall apart days before closing because of an Amazon credit card opened for a small discount.

👉 Always ask me before you make any big purchases during your loan process.

09/08/2026

Five-star service isn’t one moment...it’s consistency, care, and results.

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!

09/07/2026

Online mortgage calculators are great—until they leave out property taxes, homeowners insurance, mortgage insurance, HOA dues or half the information needed to give you an accurate payment.

A calculator can give you a number.

I can explain what that number means, tell you whether it’s realistic and show you different ways to structure the loan around your actual goals.

There’s nothing wrong with using the tools. Just don’t make one of the biggest financial decisions of your life based entirely on an algorithm that doesn’t know you.

Mortgages—but with a real human who answers the phone, explains the fine print and genuinely cares what happens next. 🤍

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

09/06/2026

Sometimes all it takes is the right lender partner! Hi, I'm Ashton and I'm that partner who has the passion and desire to serve at the highest level for the last decade. Ready to partner up? Text me, email me or visit my website to learn more.

More Closings. Less Chaos.
843-998-5045
[email protected]
TheHomeLoanTeam.com

09/04/2026

I was born to say, “Let’s do this.”

Underwriting was born to say, “Can we get one more document?” 😂

Yes, buying a home requires paperwork. Pay stubs, bank statements, tax returns and occasionally a written explanation for something you barely remember purchasing.

But you won’t be left trying to figure it out alone.

My team and I will tell you exactly what we need, explain why we need it and keep everything moving so the paperwork feels a lot less painful than it could.

You find the house. We’ll help you survive the documents.

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

09/02/2026

A lot of buyers assume closing costs are just a fixed bill they have to absorb. In reality, several pieces are negotiable. Sellers can contribute toward your closing costs as a concession, builders often have incentives tied to using their preferred lender, and even some of your own lender fees and title fees can vary depending on who you shop with.

The biggest mistake I see is buyers writing an offer before talking to a lender about what's negotiable. Once that offer is in, you've lost most of your leverage.

👉 Get pre-approved with me before you write your offer, not after, strategy matters.

09/01/2026

And for the lady, might I suggest a monthly payment that helps build her own future? 💁🏼‍♀️🏡

Renting may be the right choice for a season—but if you’re paying thousands of dollars every month, it’s worth finding out whether that money could be building equity in something you own.

Not by trusting a random calculator. Not by assuming you need perfect credit or a massive down payment. And definitely not by taking mortgage advice from someone’s cousin’s Facebook comment.

Let a real person look at your complete financial picture, explain the fine print and show you what buying could actually look like.

You may be closer than you think.

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

08/26/2026

Not having a traditional credit score doesn't mean you don't have a financial track record. Manual underwriting allows us to build what's called a non-traditional credit history using things like consistent rent payments, utility bills, even insurance premiums, as long as they're documented and verifiable for at least 12 months.

This is huge for younger buyers, recent immigrants, or anyone who's intentionally avoided credit cards. You're not starting from zero, you just need the right loan program to recognize the financial responsibility you've already shown.

👉 Apply with me and let's see what your payment history can do for you.

08/19/2026

If you're a homeowner looking to move up, you don't always have to do the stressful dance of selling first, then scrambling to find your next home before your lease-back runs out. Certain programs allow you to qualify for your new mortgage using projected proceeds from your current home, or bridge financing that lets you close on the new place first.

This takes so much pressure off the process and gives you way more negotiating power as a buyer since you're not racing a closing deadline on your current home.

👉 DM me and let's talk through your move-up strategy.

08/13/2026

🚨 One lender's "no" doesn't always mean the loan program said no.

This is one of the biggest misconceptions I see.

Some lenders have overlays—extra rules they add on top of the actual loan guidelines. That means you could be denied by one lender and approved by another using the exact same loan program.

That's why getting a second opinion can be so valuable.

When you work with me, I'm going to:
✔️ Show you all of your options.
✔️ Explain the pros and cons of each.
✔️ Underwrite to the actual program guidelines—not unnecessary overlays.

Whether it's VA, FHA, Conventional, USDA, or first-time buyer programs, my goal is to help you find a way to a "yes" when the guidelines support it.

Don't let one conversation determine your future.

📩 If another lender told you "no," let's take a second look. It might not be the end of the story.

Address

528 Columbia Avenue
Lexington, SC
29072

Website

http://www.HomeLoanGirl.com/

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