Ashley Garza · Loan Officer

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

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NMLS #17990193+ Years ExperienceLicensed in 2 States
51
Recent Loans Closed
3+
Years Experience
4.77★
Average Rating (75 reviews)
Ashley Garza
Loan Officer · NMLS #1799019
Direct(808) 463-2319
Emailagarza@afncorp.com
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Meet Ashley, a Loan Officer at American Financial Network licensed in 2 states. Reach out to discuss your homeownership goals.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #1799019
Licensed 2 States
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Ashley + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Ashley follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Ashley's expertise and AFN's full lending platform. When you're ready, Ashley steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Ashley · NMLS #1799019
Hi, I'm Sophia — Ashley's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
Ashley was so communicative and went above and beyond to help us get this done as quickly and easily as possible! She happily answered every single question we had and reassured us throughout the whole process. Thank you so much!!
Makenna Elise K.
Wailuku, HI
★ ★ ★ ★ ★
Ashley was available and responsive to all our concerns and questions. She took the time to talk us through the entire process. She made us feel comfortable and confident. A wonderful guide for first time homebuyers like ourselves.
Alexander D.
Lahaina, HI
★ ★ ★ ★ ★
We had a truly great experience working with our loan officer Ashley Garza. From start to finish, she was very professional, responsive, and incredibly knowledgeable. she took the time to clearly explain every step of the process, answered all of our questions promptly, and made what can be a stressful experience feel smooth and manageable. her communication and attention to detail gave us confidence throughout the entire loan process. We are very grateful for her support and would highly recommend them to anyone looking for a reliable and trustworthy loan officer.
Xavier Alejandro M.
Moreno Valley, CA
★ ★ ★ ★ ★
Ashley worked my account to ensure I was happy with my figures. Her communication was great and kept me up to date all along the way. She made me feel like I was in good hands! Thank you Ashley!
Janice Noema G.
Whittier, CA
★ ★ ★ ★ ★
Communication and willingness to go extra thank you
Charles Dale W.
Bakersfield, CA
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
Start My Application

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

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Get in Touch

Ready to get started?

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Ashley typically responds within 24 hours. No bots, just expert advice.