Buying a home? Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Ashley Ruschman Let me help you through the process

Phone: (859) 350-4053

Cell: (859) 414-5632

Email: aruschman@polarishomeloansllc.com

NMLS: 924776  View Licensed States 

Hi, my name is Ashley Ruschman, a licensed loan officer with Polaris Home Loans, LLC.

This is my personal Loan Officer Landing Page, where you can find out a little more about me and how I can potentially help you with your home loan needs.

If someone chooses to work with me as their Loan Officer, they should expect open communication, one-on-one assistance, and a wonderful client experience all the way to the closing table and beyond. I am dedicated to providing a client experience that reflects my commitment to addressing your needs and your overall success. Being able to help people is such a privilege! Having worked on the processing side in the past, I have a keen knowledge and understanding of the inner workings and how to keep your loan moving in the right direction.

A little about me to help you get a sense of who I am. I was born and raised in Verona, KY. I later Studied business at Gateway, Edgewood in KY. I now reside in Erlanger, KY with my husband Jordan, our 3 children, and our 2 dogs! When I am not busy saving people money on their mortgages, I like to spend time shopping, trying new restaurants, and listening to Crime Junkie! I have been working in Finance for over 10 years. I understand how quality customer service can make all the difference in your experience. I work hard for my clients and advocate for their success every step of the way. Reach out today and let's start exploring your options!

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?
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