"Ashley was very friendly, helpful and knowledgeable! She answered all of my questions in simple terms to help me understand. I was able to email/text any time and she responded to me within a timely manner. She gave me ..."
Juan Baltazar Jr
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
I've spent 20+ years helping buyers in California find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
AshleyAshley Silva · NMLS 816206
One conversation. No application, no credit pull.
Tell Ashley what you're trying to do. Ashley takes it from there.
Start the conversation
You're in
Thanks, there. Ashley has your details.
- Ashley reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Ashley Silva, NMLS #816206
Licensed in California
What happens next
Three Steps. No Pressure.
- 01
Tell Ashley your goal
Share a few basics so Ashley understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Ashley compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Ashley, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Ashley
"As first-time homebuyers, working with Ashley was the best decision we made. She has vast experience, knew exactly what she was doing, and was always prompt in responding and making herself available. She patiently ..."
Cynthia Zarate
"Big purchases such as buying a home will come with hesitations and worries, especially when it concerns the numbers and lending process and what that means for you as the buyer. Ashley understood my reservations and was ..."
Stephanie Morris
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Ashley asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Ashley and Xpert Home Lending's secure system so Ashley can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Ashley can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Ashley has your income documents and your permission to run credit. If you're about to write an offer, say so and Ashley will prioritize it.