With fluency in Arabic, Hindi, Spanish, Urdu and Vietnamese, Ashley proudly serves clients in Houston, San Antonio, Dallas, Fort Worth. Ashley has 12 years of experience as a Home Lending Manager and specializes in preapproval, low-to-moderate income lending programs, lending to borrowers with limited credit history, FHA and VA mortgages, and first-time homebuyer programs. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Ashley is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Ashley can help you get a clear picture of what might work best for you. Ashley will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Ashley wants to ensure that you have a positive home lending experience.
Mortgage Tools 1
Loans & Products
Conventional mortgage
Conventional mortgage
Simply put, a conventional mortgage is a loan that's not backed by a government agency such as the Federal Housing Administration (FHA) or Veteran Affairs (VA). There are two types of conventional loans: conforming and nonconforming. Conforming loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). When a loan doesn't follow these lending rules, it's considered non-conforming. There are a number of factors that may cause a loan to be non-conforming, generally loan amount is a key factor.
Things to Consider
While a 30-year, fixed rate mortgage is a popular conventional loan, you have other options such as a 15-year fixed rate loan or a 7/6 ARM2 to name a few. Think about your current budget, as well as your long-term financial goals as you plan.
Jumbo Mortgage3
Jumbo mortgage
A jumbo loan is a mortgage for a more expensive property. The maximum amount for a jumbo loan at Chase is $9.5 Million4. We also offer loans up to a $2 Million on investment properties.
Things to Consider
You need to have a minimum credit score and a certain amount of cash to qualify.
DreaMakerSM mortgage5
DreaMaker mortgage
A DreaMaker mortgage has down payment options as low as 3% 6 and lower monthly payments with a 30-year fixed rate.
Things to Consider
You'll need to meet income requirements to qualify for this loan.
FHA mortgage7
FHA mortgage
An FHA mortgage is a government-insured loan that offers down payments as low as 3.5%8.
Things to Consider
While there are no specific income requirements to qualify, you will have to pay monthly mortgage insurance for the duration of the loan and a mortgage insurance premium at closing.
Veterans Affairs (VA) loan9
Veterans Affairs (VA)
A VA loan has low or no down payment options and no mortgage insurance requirement. VA loans are available with 10-, 15-, 20-, 25- or 30-year terms.
Things to Consider
You or your spouse must be a veteran, active duty service member or a member of the National Guard or Reserve to qualify for a VA loan.
Terms and rates
Terms and rates
Term Length: Mortgage loans vary in length, typically from 10 to 30 years.
Fixed- Rate Mortgages: A fixed-rate mortgage offers a consistent interest rate for as long as you have the loan, instead of a rate that adjusts or floats with the market. A consistent interest rate usually means yur principle and interest payment will remain consistent too.
Adjustable-rate Mortgage (ARM): An ARM loan has an interest rate that stays the same for a set period of time, then changes to a variable rate that adjusts every year. For example, a 7/6 ARM has an introductory interest rate for the first 7 years and then resets every year after that for the loan term.
Things to Consider
Term Length: The duration of the loan will impact your monthly payment. For example, the shorter the loan term, the more you're likely to pay each month. As you explore options, think about your down payment, your monthly budget and plan accordingly.
Fixed-Rate Mortgages: While fixed-rate loans offer a steady mortgage payment, they typically have a higher interest rate. As you weigh your options, you may want to ask yourself, "Is this my forever home, or just a place where I'll live for a few years?" That may help you determine if a fixed-rate loan is right for you.
Adjustable-rate Mortgage: While you'll likely pay a lower interest rate during the introductory period, your payment could increase quite a bit once this period ends—possibly hundreds of dollars a month. Rate caps limit the amount your interest rate can rise, but make sure you know what your maximum payment could be.
Chase MyHome10. All things home. All in one place.
Sign in to Chase MyHome to search for the home you’d like, see sales trends, estimate your budget, find a loan and more.
Find a home you love11
Search home listings, neighborhood information and more, based on your needs.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from preapproval13 to finding the right loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.
Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation. Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include: • Your Social Security number • Pay stubs for the last two months • W-2 forms for the past two years • Bank statements for the past two or three months • One to two years of federal tax returns • A signed contract of sale (if you've already chosen your new home) • Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM)2 could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase mortgage rates14
Purchase
Refinance
Calculators
We’ve got all the tools you need to help you make the right decisions.
Use your annual income and expenses or maximum mortgage payment amounts to estimate the home price you can afford.
Use our calculator for a detailed breakdown of your monthly home loan costs. It works for mortgages and refinancing too.
Whether you've found the perfect home or you're just looking, reviewing available assistance programs can help you form a strategy for moving forward.
FHA Calculator Federal Housing Administration (FHA) loans offer affordable options with a fixed rate but require mortgage insurance.
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.