Your Dream Home Starts Here

Whether you’re buying your first home, upgrading, or refinancing, Ashley Luster provides the guidance and clarity you deserve. Experience mortgage lending made personal.

buy a home

Find the perfect mortgage for your dream home. Ashley Luster offers expert guidance, great rates, and a smooth path to homeownership.

Refinance

Save more with Ashley Luster’s refinance options. Lower your rate, cut payments, and simplify your mortgage with expert personal guidance.

why choose ashley?

Mortgage Made Simple — and Personal.

Trusted Advisor

Transparent every step.

Flexible Loan Options

Tailored to your goals.

Ongoing Support

From pre-approval to closing and beyond.

Fast Approvals

Local underwriting partners.

ABOUT ME

Ashley Luster

Hello! My name is Ashley Luster. With over 20 years of experience in the mortgage industry, I’m dedicated to helping clients find the right home loan solution. Whether you’re a first-time homebuyer or homeowner looking to refinance, I offer expert advice, competitive rates and a seamless, stress-free experience tailored to your goals. I’ll walk you through each step of the mortgage process, answer your questions and keep you up to date on your loan’s status. From start to finish, you’ll feel confident in closing with America’s #1 Retail Mortgage Lender.

OUR SERVICES

Explore Our Mortgage Solutions

Discover flexible mortgage solutions designed to fit your lifestyle and goals. From first-time buyers to seasoned homeowners, Ashley Luster helps you find the loan that works best for your budget and future.

Conventional Loan

Great rates and flexible terms for buyers with solid credit and steady income.

FHA loan

Low down payment and easy qualification options for first-time homebuyers.

VA loan

Zero-down financing and exclusive benefits for veterans and active-duty service members.

USDA Loan

Affordable, no-down-payment program for homes in eligible rural or suburban areas.

jumbo loan

Higher loan limits and competitive rates for luxury or high-value properties.

Refinancing

Lower your rate, cut monthly payments, or access home equity with ease.

WHY CHOOSE US

Your Trusted Choice in Mortgage Refinancing

Choosing the right mortgage partner can make all the difference. At Ashley Luster Mortgage, we go beyond numbers — we build relationships based on trust, transparency, and personal attention. Whether you’re buying your first home or refinancing to save money, our goal is to make the process smooth, clear, and stress-free.

AFFORDABLE

Home loans to meet your refinancing needs

Discover flexible and affordable refinancing options designed to help you save more, pay off your home sooner, and achieve long-term financial peace of mind. Whether you’re looking for stability, flexibility, or the best of both worlds — Ashley Luster Mortgage has the perfect loan for you.

Basic Variable Home Loan

Enjoy freedom and flexibility with a competitive variable rate loan. Perfect for homeowners who want to take advantage of changing market conditions while keeping their options open.

FROM

5.63%

Variable rate

FROM

5.66%

Comparison rate*

Offset Variable Home Loan

Combine flexibility with smart savings. This loan links directly to your everyday account, letting you use your balance to reduce the interest on your mortgage — and pay off your loan faster.

FROM

5.65%

Variable rate

FROM

5.73%

Comparison rate*

Fixed Rate Home Loan

Lock in peace of mind with a stable fixed rate for one to five years. Ideal for those who want predictable repayments and protection from future rate increases.

FROM

5.78%

Variable rate

FROM

5.85%

Comparison rate*

TESTIMONIALS

what our clients are saying

Real people. Real results. Hear how Ashley Luster made the home-buying and refinancing process simple, transparent, and rewarding for clients across the community.

“Working with Ashley was a true game-changer. As first-time homebuyers, we were nervous, but she walked us through every detail—from getting pre-approved to closing day. Her responsiveness, expertise, and sincere care made all the difference. We’re now settled in our dream home and couldn’t be more grateful.”

“Refinancing seemed complicated and overwhelming until we met Ashley. She evaluated our situation clearly, found us a better rate, eliminated hidden fees, and made the process effortless. We now have lower payments and less stress—this was the best financial move we’ve made in years.”

“We had some unique credit and income issues and assumed we couldn’t qualify for much. Ashley proved us wrong. She crafted a loan strategy that fit our budget, handled the paperwork with precision, and kept us informed every step of the way. If you want a mortgage partner who treats you like family—not a file—Ashley is it.”

Having trouble making Loan repayments?

We’re here to help so contact us as soon as possible

FAQ’S

frequently asked questions

How do I know if refinancing is right for me?

Refinancing may be right for you if it helps you save money, shorten your loan term, or access your home’s equity for other financial goals. If current rates are lower than when you first purchased your home — or if your credit score has improved — you could qualify for a better rate. Ashley will review your goals and help you compare your current loan to new options to see if refinancing truly benefits you.

Will refinancing affect my credit score?

Yes, but only slightly and temporarily. When you apply for a refinance, lenders perform a “hard inquiry” on your credit report, which may lower your score by a few points. However, consistent on-time mortgage payments after refinancing can actually help improve your score over time.

What fees are involved in refinancing?

Refinancing typically includes closing costs such as lender fees, appraisal fees, title insurance, and administrative expenses. These generally range from 2% to 5% of your loan amount. Ashley will provide a detailed breakdown upfront, so you know exactly what to expect — no surprises, no hidden charges.

What documents will I need to provide?

Most lenders require:

Recent pay stubs and W-2s (or tax returns for self-employed borrowers)
Bank statements
Proof of homeowners insurance
Current mortgage statement
Valid ID

Having these ready speeds up the approval process and keeps things simple from start to finish.

How often can I refinance my mortgage?

There’s technically no limit on how often you can refinance, but it’s important to ensure it makes financial sense each time. A general rule of thumb: refinance when it lowers your rate enough to offset closing costs or aligns with a new financial goal. Ashley will help you evaluate timing to ensure you’re saving — not just restarting your mortgage clock.

Your Dream Home Starts Here

buy a home

Refinance

why choose ashley?

Ashley Luster

Explore Our Mortgage Solutions

Conventional Loan

FHA loan

VA loan

USDA Loan

jumbo loan

Refinancing

Your Trusted Choice in Mortgage Refinancing

Home loans to meet your refinancing needs

Basic Variable Home Loan

Offset Variable Home Loan

Fixed Rate Home Loan

what our clients are saying

Having trouble making Loan repayments?

frequently asked questions

How do I know if refinancing is right for me?

Will refinancing affect my credit score?

What fees are involved in refinancing?

What documents will I need to provide?

How often can I refinance my mortgage?

Get In Touch