Rosemarie Ashley NMLS #1112113

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St. Clair Shores, MI
Rosemarie Ashley NMLS #1112113

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Making mortgages fast, easy, and even a little fun—with great rates, smart options, and tech that keeps things simple. Based in Metro Detroit, serving Michigan.

Buyers and Realtors trust me for smooth closings and real answers. EQUAL OPPORTUNITY LENDER. Rosemarie began her career in the mortgage industry over 30 years ago as a loan officer trainer. She believes a mortgage is more than an official document, it’s a dream come true. Rosemarie takes the time to educate and walk her clients through the process step by step to ensure they’re making the best decisions possible. Rosemarie shares “There is no such thing as a typical customer. Every loan applicant has a unique set of financial credentials and housing needs”.

11/03/2026

If the housing market has changed, why aren't home prices coming down?

That's the question a lot of buyers are asking.

But a changing market doesn't necessarily show up as a lower asking price.

Sometimes the opportunity is in the entire transaction.

That could include seller concessions, closing-date flexibility, additional time for the seller to move, or other terms that help both sides reach an agreement.

So when you're evaluating a home, don't look only at the listing price.

Look at the entire transaction.

How long has it been on the market?

What flexibility is the seller showing?

What terms could make the offer work for both sides?

Buyer opportunity doesn't always look like a lower price.

Sometimes it looks like having more room to negotiate.

If you're trying to understand what today's market could mean for your purchase, let's talk.

11/02/2026

🔄 𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗡𝗚 𝗜𝗦 𝗔𝗕𝗢𝗨𝗧 𝗠𝗢𝗥𝗘 𝗧𝗛𝗔𝗡 𝗜𝗡𝗧𝗘𝗥𝗘𝗦𝗧 𝗥𝗔𝗧𝗘𝗦.

When homeowners hear the word “refinance,” the first question is often whether rates have come down.

But there's another question worth asking:

C𝗼𝘂𝗹𝗱 𝗰𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗮𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗴𝗼𝗮𝗹𝘀?

Depending on your circumstances, refinancing may offer an opportunity to:

📅 Change the remaining term of your mortgage
💰 Adjust your monthly payment
🏡 Consider using available home equity
💳 Explore consolidating certain debts
🔨 Plan for major home improvements
🏦 Move from one type of mortgage to another

Every option comes with considerations. Closing costs, the new loan term, the total interest paid over time, and the effect on your overall finances all deserve attention.

For example, a lower monthly payment doesn't necessarily mean a lower total borrowing cost.

At Ashley Mortgage Team, we believe the right conversation starts with what you're trying to accomplish—not simply today's interest rates.

T𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗶𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲. 𝗜𝘁'𝘀 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂.

Have a goal in mind? Let's talk through the numbers and your options.

📞 586-585-2626
📩 [email protected]

Ashley Mortgage Team | Burney Ashley, NMLS #1094707 | Rosemarie Ashley, NMLS #1112113 | Pinnacle Mortgage Corp., NMLS #1323739 | Equal Housing Opportunity

10/31/2026

🏡 𝗜𝗧'𝗦 𝗦𝗔𝗧𝗨𝗥𝗗𝗔𝗬. 𝗬𝗢𝗨 𝗙𝗢𝗨𝗡𝗗 𝗔 𝗛𝗢𝗨𝗦𝗘 𝗬𝗢𝗨 𝗟𝗢𝗩𝗘. 𝗡𝗢𝗪 𝗪𝗛𝗔𝗧?

You've toured a few homes, you're ready for another cup of coffee, and then you walk into one that makes you stop and think, “This could be it.”

Suddenly, those financing questions feel a lot more important.

💰 Does the property fit my financing plan?
📊 What might the monthly housing expense look like?
📋 Is my pre-approval current?
📞 Can I talk with my loan officer about the next steps?

These are good questions to work through before you're making an offer.

At Ashley Mortgage Team, we offer extended business hours because we understand that house hunting doesn't always fit neatly into the traditional workday.

Found a house this weekend? Give us a call. Let's talk through your questions and help you understand what comes next.

📞 586-585-2626
📩 [email protected]

Ashley Mortgage Team | Burney Ashley, NMLS #1094707 | Rosemarie Ashley, NMLS #1112113 | Pinnacle Mortgage Corp., NMLS #1323739 | Equal Housing Opportunity

10/31/2026

𝗗𝗢𝗡'𝗧 𝗦𝗧𝗔𝗥𝗧 𝗪𝗜𝗧𝗛 𝗧𝗛𝗘 𝗛𝗢𝗨𝗦𝗘. 🏡

A bigger kitchen. An extra bedroom. A shorter commute. A yard for the dog.

It's easy to focus on what you want in your next home. Those things matter.

But there's another question worth asking before the house hunt gets serious:

𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘁𝗼 𝗹𝗼𝗼𝗸 𝗹𝗶𝗸𝗲 𝗮𝗳𝘁𝗲𝗿 𝘆𝗼𝘂 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗸𝗲𝘆𝘀?

Homeownership has to fit alongside the rest of your life—family, travel, savings, hobbies, unexpected expenses, and the plans you're still making.

The largest mortgage you qualify for isn't necessarily the mortgage that makes the most sense for you.

At Ashley Mortgage Team, we help clients explore financing options in the context of their bigger financial picture. That means looking beyond the approval amount and having a real conversation about comfort, priorities, and long-term goals.

Because buying a home isn't the finish line.

It's where your next chapter begins.

L𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗵𝗼𝗺𝗲 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁—a𝗻𝗱 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗹𝗶𝘃𝗲 𝗶𝗻 𝗶𝘁.

📩 [email protected]
📞 586-585-2626

10/30/2026

Pending home sales just hit the lowest level NAR has ever recorded, asking prices have fallen eleven months straight, and Freddie Mac’s 30-year eased to 7.24% this week. Buyers have real negotiating room right now: ask for the credits, ask for the repairs, and keep your contingencies. Whether it’s your moment still depends on your numbers, and we are happy to run them with you.

Rosemarie Ashley, NMLS 1112113. Burney Ashley, NMLS 1094707. Ashley Mortgage Team. Pinnacle Mortgage Corp. 586-585-2626.

10/27/2026

𝗡𝗢𝗧 𝗥𝗘𝗔𝗗𝗬 🏡

“I want to buy a home someday, but I’m not ready to talk to a mortgage lender yet.”

We hear this more often than you might think.

And here’s what I want you to know: You don’t have to be ready to buy a house to start understanding your options.

Maybe you’re thinking six months ahead. Maybe it’s next year. Maybe you’re still figuring out what you want your next chapter to look like.

Starting early gives you something valuable: time.

Time to understand where you stand financially.
Time to identify anything that may need attention.
Time to develop a savings plan that makes sense.
Time to explore financing options without the pressure of an offer deadline.

And sometimes, you discover you’re closer than you thought.

At Ashley Mortgage Team, we believe a good mortgage conversation starts with listening, answering questions, and understanding your goals—not rushing you into a transaction.

You don’t need a house picked out or a moving date on the calendar.

𝗬𝗼𝘂 𝗷𝘂𝘀𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗿𝗲𝗮𝗱𝘆 𝘁𝗼 𝗵𝗮𝘃𝗲 𝗮 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻.

When homeownership is somewhere in your future, let’s talk about how to prepare for it.

📩 [email protected]
📞 586-585-2626

10/27/2026

What can you afford today?

Sometimes the answer changes when you stop looking at one specific house and start looking at the entire range of choices.

When I bought my Michigan home, I was comparing St. Clair Shores with Grosse Pointe.

I liked a lot about Grosse Pointe—but I realized I didn't need everything I was paying more for yet.

Nearly 30 years later, I still think about that when I talk with buyers.

Could a different location work?

A different type of property?

A lower price?

A home with potential?

A two- to four-family property?

An additional dwelling unit?

The goal isn't simply to find the cheapest house.

It's to understand what fits the life you're living now and the next several years.

If you want to explore your options, give Burney or me a call at 586-585-2626.

10/23/2026

🔑 𝗪𝗵𝗲𝗻 𝘁𝗵𝗲 𝗵𝗼𝘂𝘀𝗲 𝗳𝗲𝗲𝗹𝘀 𝗿𝗶𝗴𝗵𝘁, 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗱𝗼𝗲𝘀, 𝘁𝗼𝗼.

You walk into an open house, and something clicks. You can picture yourself living there. Maybe this is the one.

Then the practical questions start.

💰 Does the price fit comfortably within my budget?
📄 Is my pre-approval ready for this property?
🏡 What would the monthly payment and overall financing look like?
📱 Can I reach my mortgage team if I have questions over the weekend?

These are exactly the kinds of questions worth asking before you fall too far in love with a house.

At Ashley Mortgage Team, we believe home financing should be a conversation, not a guessing game. We help you understand your options, evaluate the numbers, and make informed decisions as you navigate the homebuying process.

House hunting this weekend? Let's talk.

📞 586-585-2626
📧 [email protected]

10/23/2026

Redfin estimates about 63% more sellers than buyers in September, the widest gap on record, which means price cuts, credits, buydowns, and repairs are normal asks again, and you don’t have to waive your inspection to get a house. The other half is that rates are above 7%, and leverage only helps if the payment works for your life. Realtors, send buyers on the fence my way early and we’ll run the real numbers.

Rosemarie Ashley, NMLS 1112113. Burney Ashley, NMLS 1094707. Ashley Mortgage Team. Pinnacle Mortgage Corp. 586-585-2626.

10/20/2026

📋 What actually happens after you submit a mortgage application?

Whether you're buying your next home, purchasing an investment property, or refinancing, understanding the process ahead of time can make the experience a lot less overwhelming.

Here's a general look at what happens:

🔎 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝘃𝗶𝗲𝘄: We look at your income, assets, credit, debts, and overall financial picture.
📄 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻: You'll provide the information needed to support your application.
🏡 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘃𝗶𝗲𝘄: Once you're under contract, property requirements become part of the process.
✅ 𝗨𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴: Your loan is evaluated against the applicable program guidelines. Additional documentation may be needed.
🔑 𝗖𝗹𝗼𝘀𝗶𝗻𝗴 𝗽𝗿𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻: Once the necessary requirements are met, your loan moves toward closing.

One thing I always emphasize: 𝗔𝘀𝗸 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗮𝗹𝗼𝗻𝗴 𝘁𝗵𝗲 𝘄𝗮𝘆.

You deserve to understand what's happening, what's needed from you, and what comes next. Ideally, those conversations begin before you're under contract.

At the Ashley Mortgage Team, we work with buyers, homeowners, investors, business owners, and self-employed borrowers throughout Michigan to help make mortgage financing easier to understand.

Have a mortgage question? Let's talk.

📞 586-585-2626
📩 [email protected]

Rosemarie Ashley | NMLS #1112113
Burney Ashley | NMLS #1094707
Pinnacle Mortgage Corp. | NMLS #1323739
Equal Housing Opportunity

Address

St. Clair Shores, MI

Telephone

+15864193918

Website

https://www.pinnaclemtgcorp.com/

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