The Ashley Smith Team at Atlantic Coast Mortgage

Atlantic Coast Mortgage, LLC is an Equal Housing Lender
LO NMLS # 529694
Branch NMLS ID #1167353|Company NMLS ID #643114
(www.nmlsconsumeraccess.org)

Atlantic Coast Mortgage, LLC, is a full service residential mortgage lender licensed to serve the greater Washington, D.C. metropolitan, Maryland, Virginia area and Delaware real estate markets. We are experts in navigating the challenging, heavily regulated loan process, securing financing smoothly and successfully.

Our office headquarters are located in Fairfax, VA, with additional branches located in Alexandria, Loudoun County, Prince William County, VA. Atlantic Coast Mortgage, LLC is an Equal Housing Opportunity lender and is licensed by the Virginia State Corporation Commission (MC-5560).

Fairfax County Office/Headquarters
4100 Monument Corner Drive, Suite 300
Fairfax, VA 22030
Company NMLS ID # 643114

Loudoun Office
20365 Exchange Street, Suite 300
Ashburn, VA 20147
Branch NMLS ID # 1167353

atlanticcoastmortgage.com

What is a USDA Loan?

Are you ready to purchase a home? Consider 100% financing through the USDA loan. The USDA loan is not just for farmers or people who live in rural areas. There are some eligible suburbs close to metropolitan areas where you may use it. Learn more in our latest blog post. www.acmllc.com/usda-loan

atlanticcoastmortgage.com The USDA loan is part of a government-backed loan program that offers 100% financing to eligible borrowers. The USDA loan is guaranteed by the U.S. Department of Agriculture but offered through private mortgage lenders and helps low- to moderate-income homebuyers purchase homes in rural areas.   On...

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Homebuyer Myths Debunked

There are quite a few myths about homebuying. We debunk a few of these myths in our latest blog post. Check them out here! www.acmllc.com/homebuyer-myths-debunked/

atlanticcoastmortgage.com Homebuyers — particularly first-time homebuyers — often have misconceptions about what it takes to become a homeowner.

atlanticcoastmortgage.com

Tips for Pet-Friendly Homebuying

When shopping for a home, certain features of the property and neighborhood can be deal breakers if they don’t meet the needs of your pets. In our latest blog post, we give you some tips for pet-friendly homebuying to help make sure you purchase a home that’s ideal for the entire family. www.acmllc.com/pet-friendly-homebuying

atlanticcoastmortgage.com Pet-friendly homebuying tips to keep in mind when you’re looking for your next dream home.

Atlantic Coast Mortgage, LLC

Did Atlantic Coast Mortgage help you or your client with the purchase or refinance of a home? Cast your vote TODAY and help us secure the title of Loudoun's Favorite Mortgage Company!
http://bit.ly/VoteACMLoudoun

#Mortgage #Loudoun #TeamACM #ACMforyourmortgage #OneLoudoun #Homebuyer

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Benefits of Making a Down Payment on Your VA Loan

Are you thinking of purchasing a home with a VA loan and no money down? Here's why you may want to put a down payment on your VA loan after all.

www.acmllc.com/benefits-VA-down-payment

atlanticcoastmortgage.com A mortgage that requires no down payment can be just the right product to get you into your dream home. There are some instances where veterans may want to put some money down even if it’s not necessary.

atlanticcoastmortgage.com

Tips for Breaking a Lease When Purchasing a Home

You’ve found the perfect home while renting another one. Now what? In our latest blog post, we cover ways you can break your rental lease. Check it out! www.acmllc.com/tips-for-breaking-a-lease

atlanticcoastmortgage.com You’ve fallen in love with a home, but there’s one little problem. You’re stuck in a rental lease agreement. What should you do?

atlanticcoastmortgage.com

Cut Energy Costs & Stay Ahead of the Summer Heat

The first day of summer is quickly approaching! The summer heat can also heat up your finances with skyrocketing energy bills. Discover simple ways to reduce your energy bills in our latest blog post. www.acmllc.com/beat-summer-heat

#AshleySmithTeam

atlanticcoastmortgage.com How to Cut Energy Costs Ahead of the Summer Summer is here next month. The season brings holidays and BBQs as well as a predictable increase to your energy bills. Thankfully, there are a few practical ways to keep energy costs under control even as the temperature climbs. In this post, we cover a fe...

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What the Fed Funds Rate Increase Means for Your Homebuying Experience

What impact does the fed funds rate have on mortgage rates? In our latest blog we discuss the impact this may have on mortgage rates. Check it out! www.acmllc.com/fed-funds-rate-increase/

#AshleySmithTeam

atlanticcoastmortgage.com If you’re planning a home purchase, fed fund rate increases may have an affect on your mortgage rate.

atlanticcoastmortgage.com

Tips for House-Hunting from Long Distance

Are you hunting for a home in a new city or state? Online listing databases and online mortgage application processes can make buying a home from afar easier than ever before. In our latest blog post, we give you four tips for buying a home from a long distance. www.acmllc.com/house-hunting-long-distance #AshleySmithTeam

atlanticcoastmortgage.com Buying a home from a long distance doesn’t have to be a challenge. Use online tools and partner with people in the area who you can trust to do tasks that need to be done locally.

atlanticcoastmortgage.com

First-Time Homebuyer Mistakes to Avoid

Are you planning on making your first home purchase this year? Check our our latest blog post with four mistakes to avoid when shopping for the first time! www.acmllc.com/mistakes-to-avoid

#AshleySmithTeam

atlanticcoastmortgage.com 4 First-Time Homebuyer Mistakes to Avoid If you’re unsure of what to expect when you make your first home purchase — don’t feel alone. Take comfort knowing that even the most experienced homeowners have been in your shoes once before. To help you through this exciting time, we put together ....

atlanticcoastmortgage.com

New Year’s Resolutions for Homebuyers | Atlantic Coast Mortgage

Happy New Year! To kick off 2018, we list a few New Year’s Resolutions for homebuyers who hope to make a purchase this year or next. Check out the resolutions in our latest blog post!

www.atlanticcoastmortgage.com/homebuyer-resolutions

#AshleySmithTeam

atlanticcoastmortgage.com To start off your new year right, we compiled a list of four New Year’s resolutions to jot down if you plan to buy a home within the next 12 to 24 months. These resolutions will help prepare your finances for your next (or first) mortgage.

atlanticcoastmortgage.com

How Technology is Improving the Mortgage Process

Learn how new tech will make the mortgage processing of your next purchase or refinance a more streamlined (and less stressful) experience. http://bit.ly/2B0ZKrP #AshleySmithTeam

atlanticcoastmortgage.com We predict advancements will continue to simplify home buying and selling. Atlantic Coast Mortgage is committed to staying ahead of the curve by including technology in our mortgage process for the benefit of our clients.

The Ashley Smith team is a dynamic group of mortgage professionals. With many years and a wide range of experience in the mortgage industry, We know what it takes to close loans quickly and how to exceed our clients’ expectations time and time again. Our team is ready to assist you each and every step of the way.

Prequalify Online Today: www.AshleySmithTeam.com

#ACMforyourmortgage #AshleySmithTeam

Ashley H. Smith
SVP & Sr. Loan Officer | NMLS ID #529694

Ben Biscoe
Loan Officer | NMLS ID #317573

Katie Chappell
Loan Officer Assistant | NMLS ID #4569577

Whether you are looking to build, buy or refinance; we will be there with you every step of the way! #ProtectingTheJoyOfHomebuying

We have deep roots in the community and strong relationships with local builders and realtors, providing you with the peace of mind and communication necessary to; find, build and purchase your dream home! #ACMforyourmortgage #CloseOnTime

atlanticcoastmortgage.com

Why Does a Realtor Ask You to Get Preapproved?

Has this happened to you? You see a home that you love, but before you can schedule a tour, the agent requests that you get a preapproval letter first. What gives?

Learn the reason behind the request for a preapproval in our latest blog post and why it’s actually the best thing buyers can do to kick off the home search. http://ow.ly/HRNO50fHm7S

#AshleySmithTeam

atlanticcoastmortgage.com Why Does a Real Estate Agent Ask You to Get Preapproved? If you’ve recently started a new home search, you’ve probably begun eagerly favoriting a few listings online and requesting home tours to kick things off. The bubble of excitement you feel at first may quickly burst if you get a response f...

atlanticcoastmortgage.com

FHFA Announces Increase to Conforming Loan Limits for One-Unit Properties in 2018

Breaking News: Conforming loan limits for one-unit homes will increase by 6.8% in 2018. Here’s what you need to know.
www.atlanticcoastmortgage.com/fhfa-loan-limit-increase

#fanniemae #freddiemac #conformingloans #mortgages #breakingnews

atlanticcoastmortgage.com Just last year, the Federal Housing Finance Agency (FHFA) announced an increase in conforming loan limits for both one-unit and multi-unit homes.

atlanticcoastmortgage.com

Tips for Buying or Selling a Home During the Holidays

If you’re still aiming to buy or sell a home before the year ends, here’s how to keep the momentum going during the holiday season. http://ow.ly/4btU50fqhIV

atlanticcoastmortgage.com That special time of year is sneaking up on us once again. It’s the time of year where the weather gets brisk, and we look forward to merriment with family and friends.

atlanticcoastmortgage.com

www.atlanticcoastmortgage.com

We enjoy having a very close relationship with realtors during the homebuying process. In our latest blog post, we list 6 Do’s and Don’ts realtors should follow to make the experience seamless for our homebuyers.

Learn more here!
www.atlanticcoastmortgage.com/tips-for-realtors

#AshleySmithTeam

atlanticcoastmortgage.com

atlanticcoastmortgage.com

Join Us in Supporting Puerto Rico After Hurricane Maria

Hurricane Maria is still having a devastating impact on Puerto Rico. Join us in donating to World Central Kitchen, a nonprofit that’s providing food for families, hospitals, elderly homes, and first responders.

Use the hashtag #ChefsForPuertoRico to spread the word. Learn more about the World Central Kitchen and how it’s providing relief for thousands of people in Puerto Rico in our latest blog post.

www.acmllc.com/blog/hurricane-maria-relief/

#puertoricorelief #hurricanemaria #puertorico #donatetopuertorico

atlanticcoastmortgage.com https://www.worldcentralkitchen.org/acm/

atlanticcoastmortgage.com

Attention First-Time D.C. Homebuyers: The Reduced Recordation Tax Incentive is Effective October 2017

First-time D.C. homebuyers can now start applying for a reduced transfer tax rate of 0.725%. The tax incentive can potentially save you thousands of dollars. We discuss the reduced recordation tax benefit and how you can apply for it in our latest blog post.

www.acmllc.com/blog/reduced-recordation-tax-incentive/

#TheAshleySmithTeam

atlanticcoastmortgage.com Beginning October 1, 2017, first-time homebuyers in the District can apply for a recordation tax reduction thanks to the First-time Homebuyer Tax Benefit Amendment Act. The purpose of the legislation is to ease the tax burden for first-time homebuyers. The recordation tax is a cost you pay to transf...

atlanticcoastmortgage.com

4 Benefits of Continuing Your Search in the Fall

Looking for a new house? Buying in the fall has several advantages. We list four perks of shopping for a home during the next few months in our latest post. Check it out!

www.acmllc.com/blog/fall-home-search

#AshleySmithTeam

atlanticcoastmortgage.com Don’t fret if you’ve been diligently searching for a home and putting in offers throughout the spring and summer without success. The fall is yet another opportune time to search for and buy your dream home.

atlanticcoastmortgage.com

How a Co-Signer May Help You Get Approved

A co-signer can strengthen your client’s mortgage application and help them get approved for the home of their dreams. Learn why having a co-signer can lead to a mortgage approval.

www.atlanticcoastmortgage.com/blog/how-a-co-signer-may-help

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#AshleySmithTeam

atlanticcoastmortgage.com A co-signer is someone who promises to take responsibility for your loan if you can’t make payments which can help you qualify. Young adults and students who have yet to build credit may find that a co-signer is a viable shortcut to investing in a home sooner than later.

atlanticcoastmortgage.com

Home Improvements to Spruce up Your House

A few upgrades and renovations can make a world of difference whenever your home starts feeling outdated. Here are a few home improvements you can make to spruce things up.
www.atlanticcoastmortgage.com/spruce-up-your-house

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#AshleySmithTeam

atlanticcoastmortgage.com Not sure in what areas your home can use a facelift? Simple changes like repainting walls or trim often make a huge difference. For larger remodel projects, a renovation or construction loan can provide funds for a much-needed refresh. Home improvements can make you fall in love with it all over aga...

atlanticcoastmortgage.com

A Home For Your Scholar | The Family Opportunity Mortgage Program

Parents of college students: Have you considered buying a home for your student to live in while away at school?

The Family Opportunity Mortgage Program can help you buy a home for your student with lower costs than a typical home loan for a non-primary residence. Find out more here! http://bit.ly/2x9xx0k

#secondmortgage #backtoschool #mortgage #homeloan #investmentproperty #collegestudents #AshleySmithTeam

atlanticcoastmortgage.com The Family Opportunity Mortgage Program is a unique option that can reduce costs and help you provide a home for your scholar who’s working hard towards completing their degree. A home loan through this program is treated like a mortgage for another primary residence which makes it less costly. We c...

atlanticcoastmortgage.com

VA Home Loans for Purchase or Refinance

Atlantic Coast Mortgage offers VA loans to help you buy a home with 100% financing (NO DOWN PAYMENT!).

We may also be able to help you access cash from your home equity through a refinance if you’re in need of funds.

Learn more about loan products and how you can qualify today!
www.atlanticcoastmortgage.com/acm-va-homeloans

#AshleySmithTeam

atlanticcoastmortgage.com VA loans provide 100% financing which means you can qualify with no money down and the VA Cash-Out Refinance product is a unique option that allows you to take funds from your home equity.

atlanticcoastmortgage.com

Pros and Cons of Buying a Condo | Atlantic Coast Mortgage

Here are some pros & cons of buying a condo to help you decide if it’s right for you. http://bit.ly/CondoProCon

Are you thinking of buying a condo?
Prequalify Online Today: www.ashleysmith.com

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#AshleySmithTeam

atlanticcoastmortgage.com Pros and Cons of Buying a Condominium A condominium (“condo”) community may be the perfect home for you and your loved ones in certain situations. However, the potential costs and constraints of condo living are worth carefully weighing before making the choice. A condo is a unit within a condo comp...

August is Family Fun Month! What fun activities are you doing this month? Share your ideas with #ACMfamilyfun

Here are 50 fun activities for you and your family to try this month: http://bit.ly/ACM-FamilyFun
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#FamilyFunMonth #AshleySmithTeam

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20365 Exchange St, Ste 300
Ashburn, VA
20147
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Embrace Home Loans - Ashburn, VA - One Loudoun Embrace Home Loans - Ashburn, VA - One Loudoun
20135 Lakeview Center Plaza
Ashburn, 20147

Embrace Home Loans can help with all your home financing needs, whether you're looking to buy or refinance. Visit our office in person, or give us a call to see how we can help you. www.embracehomeloans.com

Grupo Semidey Grupo Semidey
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Kevin Iuppa - Embrace Home Loans - NMLS# 915902 Kevin Iuppa - Embrace Home Loans - NMLS# 915902
20135 Lakeview Center Plaza, Suite 160
Ashburn, 20147

As an experienced LO, I have the knowledge and expertise needed to make sure you obtain the best financing available. Exceeding expectations is my passion.

Michael Kenyon at Intercoastal Mortgage Company Michael Kenyon at Intercoastal Mortgage Company
6829 Elm St 200
Ashburn, 22101

NMLS ID # 187063 Company NMLS ID # 56323 McLean NMLS # 320939 (www.nmlsconsumeraccess.org)