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 (

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

Mission: The Ashley Smith team is a dynamic group of mortgage professionals. The team is comprised of a full time senior loan officer, a loan officer assistant, a transaction coordinator, a mortgage processer, a marketing specialist, and a closer. All transactions are completed in-house, ensuring prompt communication and smooth transactions. With many years and a wide range of experience in the mortgage industry, the Ashley Smith team knows what it takes to close loans quickly and how to exceed their clients’ expectations. The team is ready to assist you each and every step of the way. Ashley H. Smith Loan Officer | NMLS ID #529694 Atlantic Coast Mortgage, LLC

Thanks to these beauties, Dana Chapman and Katie Chappell, for holding down the fort while I enjoy my 10 year anniversary vacation! Love these two 🥰 Never fails we get 3 rush files and several apps..we can handle it all!! 💪🏻 Ashley

Available Products at Atlantic Coast Mortgage #ACMLending

Image: Happy st patricks day Vector Image - 1991597 | StockUnlimited

Wishing everyone a Happy St. Patty’s Day! Found on Google from

One of the most rewarding things I get to do in my career is educate buyers on the home buying process. I have a passion for what I do and it’s truly exciting when I get to share that passion with others. Thanks to those who came out to last nights seminar. I look forward to my next one on the 23rd. PM me for details on attending!

This week I celebrate my 17th Year in the Mortgage Industry! I am SO grateful for all the support over the years that I want to have a contest celebrate! Please see the video below and enter 🤗 #TheAshleySmithTeam #Cheersto17years #AtlanticCoastMortgage

Check out Ashley Smith, Atlantic Coast Mortgage.

Honored to be nominated and would love your vote! Click under Professional Services and then Mortgage Loan Officer. Thank you and Happy Holidays! Cast your vote for your favorite people, places, businesses, and events in Loudoun County!

The Ashley Smith Team strives to tailor their clients' mortgage needs to their short term and long term financial goals. With over 30 years of combined experience in mortgage lending, Ashley and her team are industry leaders, who fund over 80 million dollars in residential mortgage loans a year. Their expertise ranges from assisting the first time homebuyer to financing several homes for an investor. Ashley and her team are well versed in purchase and refinance closings of FHA/VA/VHDA, Conventional, Jumbo and Home Equity loans. Their clients come back to see them for every mortgage transaction and throughout their tenure in the business, The Ashley Smith Team finds themselves working with clients on their third, fourth or fifth mortgage transaction. The repeat and referral business Ashley and her team receive is derived from their exceptional customer service and the attention they pay to each and every client. Ashley’s motto to her referral partners is, “If you’re working, I’m working!” What she means by this motto is that if her realtor partner is writing up a contract on Sunday night at 9pm, she will be accessible to the realtor and their client, ready to answer any and all questions, as well as prepare an estimate and pre-approval letter. Ashley and her team take great pride in their accessibility to their referral partners and their ability to keep in constant communication.

Ashley and her team have received several sales awards ranking in the top 10% in the industry and Ashley has achieved amongst the highest honors in every position she has held in her career. Working with The Ashley Smith Team will ensure you the comfort in knowing that you will make your closing date on time and with ease. In this ever changing mortgage and real estate market, it is important to have someone on your side who sets the right expectations and works with you to achieve your goals; Ashley Smith and her team are true mortgage professionals.

Visit The Ashley Smith Team at

They are ready to assist you with your mortgage needs!

We are THANKFUL for all of our business partners, clients and those who we have the pleasure to work with day in and day out! #HappyThanksgiving #AshleySmithTeam #ACM4yourMortgage

The Ashley Smith Team at Atlantic Coast Mortgage

4 Grants and Programs for First-Time Homebuyers

Did you know you may qualify to get down payment assistance for your first home? In our latest blog post, we run through homebuyer programs that may benefit you. Saving for the down payment is one specific barrier you could be trying to overcome. Fortunately, there are grants and special programs available that can make homeownership accessible to first-time homebuyers and those with low- to moderate-income.

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. 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...

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

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. 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!

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

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. 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.

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! 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?

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.

#AshleySmithTeam 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...

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!

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

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. #AshleySmithTeam 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.

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!

#AshleySmithTeam 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 ....

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!

#AshleySmithTeam 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.

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. #AshleySmithTeam 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:

#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

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.

#AshleySmithTeam 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...

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.

#fanniemae #freddiemac #conformingloans #mortgages #breakingnews Just last year, the Federal Housing Finance Agency (FHFA) announced an increase in conforming loan limits for both one-unit and multi-unit homes.

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. 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.

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!


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.

#puertoricorelief #hurricanemaria #puertorico #donatetopuertorico

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.

#TheAshleySmithTeam 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...

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!

#AshleySmithTeam 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.

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.

#AshleySmithTeam 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.

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.

#AshleySmithTeam 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...

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!

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

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20365 Exchange St, Ste 300
Ashburn, VA
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