Refinance today for a better tomorrow

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Find the Perfect Loan
for Your Home Goals

Every borrower is unique — and your loan should be too. Ashley Luster helps you find the right financing option to match your goals, lifestyle, and budget.
Talk to Ashley

Tailored Loan Options for Every Situation

Choosing the right mortgage isn’t about picking the lowest rate — it’s about finding a plan that fits your long-term goals. Whether you’re buying your first home, upgrading, or refinancing, Ashley Luster provides guidance, clarity, and access to competitive programs that make financing simple and stress-free.

Conventional Loans

Flexible terms and competitive rates for buyers with solid credit and stable income.

FHA Loans

Ideal for first-time homebuyers with lower down payment options and flexible credit requirements.

VA Loans

Exclusive benefits for veterans, active-duty service members, and eligible spouses — including zero down payment options.

USDA Loans

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

Jumbo Loans

Higher loan limits and flexible terms for high-value or luxury properties.

Refinance

Lower your rate, shorten your loan term, or access home equity with ease.
Loan Type Minimum Down Payment Ideal Credit Score Best For
Conventional
3–5%
680+
Buyers with strong credit
FHA
3.5%
580+
First-time or credit-building buyers
VA
0%
620+
Veterans or military members
USDA
0%
640+
Rural or small-town buyers
Jumbo
10-20%
700+
High-value homes
Refinance
Varies
620+
Current homeowners seeking savings
Get an Estimate

Not Sure Which Loan is Right for You?

I’m committed to ongoing education and staying ahead of mortgage trends, ensuring my clients always receive the best advice and options available.

  • Personalized loan consultation
  • Free pre-approval guidance
  • Transparent process from start to close

Ready to Find
the Perfect Loan for You?

Let’s explore your options together. Whether you’re buying, refinancing, or investing, Ashley Luster will help you make the right move.

Get Pre-Appoved
Contact Ashley

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