Ashley Willard Home Loans

09/02/2026

What if your experience remodeling homes helped you get into your next property for 10% down? Fix and flip opportunities are popping up every single day. And when the math maths, it’s go time. Let’s fund that property in 7-10 days and get ready for the next opportunity!

08/31/2026

There is no set minimum fico score for a heloc. And each lender may see your score completely different.

08/31/2026

Your mortgage credit score and credit card company free credit score will often vary. Let’s talk about it.

08/24/2026

VA lenders are notorious for setting a line in the sand for minimum credit score required on VA home loans. But that isn’t a true VA requirement. As a mortgage broker with dozens of options to send VA loans to, you might be able to get a loan with a mid 500 credit score if you have other positive factors with income, savings, on time rent payment in your favor. Let’s chat.

08/20/2026

If you knew there was a way you could pay your house off in 7-12 years, what would you say?

And YES, even our 3% Covid Era interest rate friends can save a boat load of money.

I've been asked a bunch if I would make a video comparing this and I finally had a chance. There is nothing quick 1 minute reel about this type of information but it's amazing.

Want your exact numbers run? Send me your current mortgage statement and give me an idea of your direct deposit monthly income and monthly expenses including credit card and car payments and we can run a quick scenario for you

08/18/2026

When you have high debt, if your credit is good and you have equity in your home, you may have more options than you think.

08/13/2026

What's your financial knowledge level? Where did it come from? What type of individuals and theories do you follow?

I don't care what the politics are but I do care about what or who is influencing some of these financial decisions you're making.

08/12/2026

If I was trying to get a heloc in 5 days, here are 5 things I would do to make it go as smooth as butter.

08/11/2026

While it’s true that there are down payment assistance programs even for non first time homebuyers and without income limits, you’ll want to compare all options and see what makes the best sense for you financially.

08/11/2026

Mortgage rates don't matter. Hear me out.

For those of you with disposable income, the real comparison when you're purchasing or refinancing a home should be the total payments over time.

Hint, it's often about double your starting mortgage balance. Not sure what yours is? We can calculate it for you.

For decades now in Australia and some parts of the UK there have been mortgages that tie to your payroll and bank account. They account for nearly 50% of mortgages in Australia.

And it can help individuals with disposable income pay their home off in 6-10 years without completely losing access to the funds they pay extra toward their loan.

Basically you pay down the loan and daily interest with paychecks. Then pay bills from the remaining line of credit as needed. And every day your interest paid saves you money.

Because even at a 3% interest rate, unless you're actively making larger payments that you lose access to that money after making a higher payment, you can't accomplish the same thing. My 4% interest rental property has paid down $10,000 in 3 years. What have you paid down on your home?

Every time the numbers are clearly in front of a client, I swear their eyes almost pop out of their heads 🤣

I wanted to build a quick tool to see how fast you could pay your house off in generalized terms without over complicating it. So I built a landing page.

If you're curious how fast you could pay your mortgage off by depositing some or all of your paychecks to your mortgage and then paying your bills from that same mortgage, you can run quick numbers on the link attached.

And if you want to see serious comparisons with amortization sheets (the true payment of a 30 year mortgage) and run a bunch of scenarios, we can do that personalized for you also.

Instead of waiting for rates to be 5% again ... Or less 🤣 ... See what an All In One / Wealth Builder / Offset mortgage can do for you financially.

I just built this website based on requests for simple figures so if you find something that needs fixing please let me know.

See how an all-in-one mortgage lets your income pay down your home every day. Run your own numbers in minutes.