“Ashley handled every piece of the loan on time, every time, which is the only reason our offers were taken seriously”
Ashley made our first home purchase possible in a market that doesn't wait for anyone
As first-time buyers in San Francisco, we had no idea how fast we'd need to move, or how much of that speed depends on your lender. Ashley handled every piece of the loan on time, every time, which is the only reason our offers were taken seriously in a market where deadlines are measured in days, not weeks.
She went through two properties with us. We lost the first one, and she didn't miss a beat getting us ready for the next; same energy, same fast turnaround. She was available at all hours, answering questions late in the day and early in the morning to keep us on schedule.
The real test came on closing day, when the seller made last-minute changes. Ashley worked through them immediately and kept everything on track so we could still close on time. We'd been warned that first-time buyers get overwhelmed and outmaneuvered here; with Ashley, we never felt either.
If you're buying in the Bay Area, especially for the first time, I'd recommend her without hesitation.
Response from Owner
Tomas and Brunella, thank you so much for taking the time to share this thoughtful review! It was truly a pleasure helping you navigate your first home purchase, especially in such a fast-moving market. I know how much was on the line with each offer, and I’m so glad I could be there to provide the responsiveness and guidance you needed from the first property through closing.
Congratulations again on your new home! Wishing you both so many wonderful memories there. 🏡❤️
“As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house.”
Ashley and the whole team at Rate were terrific. Not only did she help get us fully underwritten and set us up to write offers with 14-day close (which is really important in this ultra-competitive market), once we had an offer accepted, they were able to get everything done and ready for close within 11 days.
As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house. She was kind and always answered every question thoughtfully and completely so that we really understood what was going on. 10/10 recommend working with Ashley and Rate.com!
Response from Owner
Hi, Susannah. Your feedback is highly appreciated. Thank you for the review!
“She is incredibly efficient, knowledgeable, and always makes herself available... guiding me through each step of the loan process with clarity and patience.”
I had the absolute pleasure of working with Ashley Card as my loan agent during the home purchase process, and I cannot recommend her highly enough! From start to finish, Ashley was genuinely impressive. She is incredibly efficient, knowledgeable, and always makes herself available, responding promptly to every call, text, and email.
What stood out to me was how smoothly she coordinated with my real estate agent and even went the extra mile to assist with homeowners’ insurance. Ashley guided me through each step of the loan process with clarity and patience, making what could have been a stressful experience feel seamless and manageable.
Having worked with other lenders in the past, I can confidently say that no one even comes close to the level of service and professionalism that Ashley provides. She truly cares about her clients, and it shows in every interaction. If you're looking for someone who will be by your side every step of the way and make the home-buying process as easy as possible, Ashley Card is the one to call. She's the best!
Response from Owner
Hi, Dylan. Thank you so much for leaving us a stellar review!
“As first-time buyers, we had a lot of questions—and she took the time to explain every step clearly and patiently. She made what could have been a stressful process feel smooth.”
Review for Ashley Card – Outstanding Mortgage Support from Start to Finish
We’re so grateful to Ashley Card for helping us secure our home loan during our first home purchase. From the beginning of the process to the very end, she was professional, responsive, and incredibly knowledgeable.
As first-time buyers, we had a lot of questions—and Ashley took the time to explain every step clearly and patiently. She made what could have been a stressful process feel smooth and manageable. We always felt informed and supported, which gave us great peace of mind.
She worked hard to get us a competitive rate and made sure everything stayed on track for a timely closing. The level of communication and dedication she brought to the table truly stood out.
We’re so thankful for Ashley’s help in making our dream of homeownership a reality. We would highly recommend her to anyone in need of a reliable and experienced mortgage professional.
Response from Owner
Hi, Dan. Thank you for your rating! We're happy to hear that your experience with us has been good.
“Ashley handled every piece of the loan on time, every time, which is the only reason our offers were taken seriously in a market where deadlines are measured in days, not weeks.”
As first-time buyers in San Francisco, we had no idea how fast we'd need to move, or how much of that speed depends on your lender. Ashley handled every piece of the loan on time, every time, which is the only reason our offers were taken seriously in a market where deadlines are measured in days, not weeks.
She went through two properties with us. We lost the first one, and she didn't miss a beat getting us ready for the next; same energy, same fast turnaround. She was available at all hours, answering questions late in the day and early in the morning to keep us on schedule.
The real test came on closing day, when the seller made last-minute changes. Ashley worked through them immediately and kept everything on track so we could still close on time. We'd been warned that first-time buyers get overwhelmed and outmaneuvered here; with Ashley, we never felt either.
If you're buying in the Bay Area, especially for the first time, I'd recommend her without hesitation.
Response from Lender
Thank you so much for your kind words! Helping first-time buyers navigate the San Francisco market is incredibly rewarding, and I’m so grateful you trusted me throughout the process. From the first offer to the last-minute closing changes, I’m thrilled we were able to stay ahead of the deadlines and get you into your new home on time. Congratulations again on this exciting milestone! It was an absolute pleasure working with you both, and I’m wishing you many happy years in your new home. 🏡✨
“Ashley was absolutely fantastic to work with! She was incredibly hands-on throughout the entire process, always available to answer my questions”
Ashley was absolutely fantastic to work with! She was incredibly hands-on throughout the entire process, always available to answer my questions, and so patient in taking the time to make sure I fully understood everything.
She worked directly with my CPA to make sure all of the necessary documentation was in place and made what could have been a stressful process feel seamless. She also walked me through all of our financing options in detail, clearly explaining the pros and cons of each so I felt confident we were making the right decision.
Ashley is incredibly responsive, knowledgeable, patient, and genuinely willing to take as much time as needed. I cannot recommend her highly enough!
Response from Owner
Thank you so much for your incredibly thoughtful review! It was truly a pleasure working with you throughout the entire process. I’m so glad I could help make everything feel seamless and give you confidence in your financing options.
I really appreciate your trust and the opportunity to work alongside you and your CPA to make sure everything was in place. Congratulations, and thank you again for the kind words and recommendation! Wishing you all the best!
“Ashley was absolutely fantastic to work with! She was incredibly hands-on throughout the entire process, always available to answer my questions”
Ashley was absolutely fantastic to work with! She was incredibly hands-on throughout the entire process, always available to answer my questions, and so patient in taking the time to make sure I fully understood everything.
She worked directly with my CPA to make sure all of the necessary documentation was in place and made what could have been a stressful process feel seamless. She also walked me through all of our financing options in detail, clearly explaining the pros and cons of each so I felt confident we were making the right decision.
Ashley is incredibly responsive, knowledgeable, patient, and genuinely willing to take as much time as needed. I cannot recommend her highly enough!
Response from Lender
Thank you so much for your incredibly thoughtful review! It was truly a pleasure working with you throughout the entire process. I’m so glad I could help make everything feel seamless and give you confidence in your financing options. I really appreciate your trust and the opportunity to work alongside you and your CPA to make sure everything was in place. Congratulations, and thank you again for the kind words and recommendation! Wishing you all the best! 💛
“As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house.”
Ashley and the whole team at Rate were terrific. Not only did she help get us fully underwritten and set us up to write offers with 14-day close (which is really important in this ultra-competitive market), once we had an offer accepted, they were able to get everything done and ready for close within 11 days. As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house. She was kind and always answered every question thoughtfully and completely so that we really understood what was going on. 10/10 recommend working with Ashley and Rate.com!
SSusannah B.
“As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house.”
Ashley and the whole team at Rate were terrific. Not only did she help get us fully underwritten and set us up to write offers with 14-day close (which is really important in this ultra-competitive market), once we had an offer accepted, they were able to get everything done and ready for close within 11 days.
As a first-time home buyer, Ashley was an amazing resource to help us understand all the different mortgage options and all the various parts of financing a house. She was kind and always answered every question thoughtfully and completely so that we really understood what was going on. 10/10 recommend working with Ashley and Rate.com!
Response from Lender
Thank you so much for your kind words! It was a pleasure helping you through your first home purchase. I'm so glad I could make the financing process easier to understand and help you navigate such a competitive market. Congratulations on your new home, and thank you for trusting me to be part of this exciting milestone!
“She made the home loan process straightforward and clearly outlined our options. We truly appreciated her dedication, responsiveness, and knowledge to help us become home owners.”
Working with Ashely was an excellent experience from start to finish. We did not feel like we had to “shop around” too much, because Ashely made the home loan process straightforward and clearly outlined our options. We knew from the beginning that she would be able to meet our timeline goals and when there were any hiccups along the way, she worked hard to get us back on track.
We truly appreciated her dedication, responsiveness, and knowledge to help us become home owners. She handled all the sharp edges for us, was always available for any and every question we had, and made sure to explain everything very clearly to us…presenting all our options, providing insights and expertise. Especially when it came down to the wire prior to closing, Ashely worked day and night to ensure every possible option was available…ensuring we were able to close on time. Ashley really was the best throughout the whole process.
Response from Owner
Hi, Angie. Thank you so much for leaving us a stellar review!
“Ashley was responsive, kind, thorough, and knowledgeable. She was patient with us when we had questions and provided detailed, digestible answers. I cannot recommend her highly enough.”
Ashley was responsive, kind, thorough, and knowledgeable. She was patient with us when we had questions and provided detailed, digestible answers. I cannot recommend her highly enough.
Response from Owner
Thank you, Chris, for your positive review! We appreciate you taking the time to share your experience.
“Ashley made the entire process of getting and closing a home loan as seamless as possible. She was extremely responsive, very friendly, and helped us with every step.”
Ashley made the entire process of getting and closing a home loan as seamless as possible. She was extremely responsive, very friendly, and helped us with every step of the process. I unreservedly recommend working with Ashley and appreciate everything she did for me and my family. No matter what question I asked, or unusual arrangement I requested, Ashley was immediately there to support and guide. Thank you Ashley!
Response from Owner
Hi, Victor. Thank you so much for leaving us a stellar review!
“Ashley has been our go-to loan officer for years... Whether it’s a new purchase or a refinance, she treats us like family and handles every detail with care.”
Ashley has been our go-to loan officer for years, and for good reason. Whether it’s a new purchase or a refinance, she treats us like family and handles every detail with care. We trust her completely and cannot recommend her highly enough!
Response from Owner
Hi, Jessica. Thank you for your rating! We're happy to hear that your experience with us has been good.
“Ashley was attentive throughout the day to make sure everything stayed on track and escrow closed on time. Her ability to problem solve and anticipate underwriting is exceptional.”
With tight timeframes and 1 party self employed, it wasn't a straightforward loan. Ashley was attentive throughout the day, not just once a day, to make sure everything stayed on track and escrow closed on time. Her ability to problem solve and anticipate underwriting requests is truly exceptional.
Response from Owner
Hi, Erinn. We appreciate the kind words and are glad we could provide you with a positive experience!
“Ashley was attentive and helpful the entire time. I believe in education and transparency especially when it comes to finances. Ashley gets a 10 out of 10 in those categories.”
All I can say is Exceptional! Obviously I can say more. Ashley was attentive and helpful the entire time. There was never a moment of doubt or questioning of the process or guidance. I believe in education and transparency especially when it comes to finances. Ashley gets a 10 out of 10 in those categories and more. Her entire team was simple to work with and very helpful the entire time. I will use them for every refinance and home purchase moving forward! Thank you to Ashley and her team!!!!
“Ashley was attentive and helpful the entire time. There was never a moment of doubt or questioning of the process or guidance.”
All I can say is Exceptional! Obviously I can say more. Ashley was attentive and helpful the entire time. There was never a moment of doubt or questioning of the process or guidance. I believe in education and transparency especially when it comes to finances. Ashley gets a 10 out of 10 in those categories and more. Her entire team was simple to work with and very helpful the entire time. I will use them for every refinance and home purchase moving forward! Thank you to Ashley and her team!!!!
Response from Lender
We are pleased to learn of your satisfaction with our services. It's wonderful to hear that Ashley and her team provided you with such exceptional support throughout your mortgage process. We truly appreciate your kind words about the education, transparency, and attentiveness you experienced. Your feedback about the simplicity of working with our team is invaluable to us. Thank you for choosing Ashley for your mortgage needs, and we look forward to assisting you with any future refinancing or home purchases.
“Ashley and the team at Rate Mortgage were phenomenal—efficient, knowledgeable, and laser-focused on finding me the very best rate.”
Ashley and the team at Rate Mortgage were phenomenal—efficient, knowledgeable, and laser-focused on finding me the very best rate. Their speed and attention to detail made the entire process seamless. I couldn’t be happier with the spot-on service they provided!
RRobin S.
“We feel her #1 strength is speed! We were able to close a few days earlier than the original closing date, thanks to her help.”
We just bought our 1st home with the help of Ashley and her team. We feel her #1 strength is speed! We were able to close a few days earlier than the original closing date, thanks to her help. In the beginning, we contacted other lenders, including some big banks. However, we had a hard time communicating with them. Secondly, Ashley found very competitive rates for us. There was one lender that also had good rates, but we ended up going with Ashley's team because of the low rates as well as her quick & excellent communication. As a bonus, Ashley is very friendly and easy to talk to, which are the characters that are hard to find in many lenders. We are lucky to have found her. Thank you so much, Ashley!
RRyoko C.
“Ashley guided us through an unconventional re-fi on a post purchase all-cash offer. She was readily available to answer all our questions. Communication was exceptional!”
We just completed our re-finance with Ashley and her team. Ashley guided us through an unconventional re-fi on a post purchase all-cash offer of a property. While there were some challenges along the way, Ashley was quick to assure us that a few hiccups were all part of the drill. She was readily available to answer all our questions by phone or a quick e-mail allowing us to complete the re-fi within a month. Communication was exceptional! Thank you, Ashley for a well-executed re-fi.
Response from Owner
Hi, Jeannine. Thank you for your rating! We're happy to hear that your experience with us has been good.
“Great experience from start to finish. Ashley made process smooth, communication was clear, and everything was handled professionally and on time.”
Highly recommended Great experience from start to finish. Ashley made process smooth, communication was clear, and everything was handled professionally and on time. I truly appreciated her responsiveness and transparency.
Response from Owner
Hi, Diane. Your feedback is highly appreciated. Thank you for the review!
“My experience with Ashley was enjoyable, professional and very positive in every way. She is kind and supportive and always there for you to answer questions and concerns.”
My experience with Ashley was enjoyable, professional and very positive in every way. She is kind and supportive and always there for you to answer questions and concerns.
Response from Owner
Thank you, Susan, for your positive review! We appreciate you taking the time to share your experience.
“Ashley at Guaranteed Rate is the perfect person to go to if you want to Refi or buy your first home. She was professional and helpful all the way though our loan process.”
Ashley at Guaranteed Rate is the perfect person to go to if you want to Refi or buy your first home. She was professional and helpful all the way though our loan process. Highly recommend her and will recommend her to anyone we know who is looking for loan options.
Response from Owner
Thank you so much for your kind words, Dawn. We really appreciate you taking the time out to share your experience with us.
“Communication was exceptional! Thank you, Ashley for a well-executed re-fi.”
We just completed our re-finance with Ashley and her team. Ashley guided us through an unconventional re-fi on a post purchase all-cash offer of a property. While there were some challenges along the way, Ashley was quick to assure us that a few hiccups were all part of the drill. She was readily available to answer all our questions by phone or a quick e-mail allowing us to complete the re-fi within a month. Communication was exceptional! Thank you, Ashley for a well-executed re-fi.
JJeannine A.
“Ashley and her team's communication throughout the process helped alleviate so much of the stress I was anticipating in my first-time home buying experience.”
An experience I dreaded, then turned out to be not-so-bad with the help of amazing lending partners. Ashley and her team's communication throughout the process helped alleviate so much of the stress I was anticipating in my first-time home buying experience. I would highly recommend.
Response from Lender
I’m so glad we could make your first-time homebuying experience feel less stressful and more manageable. Buying your first home can feel overwhelming, so it means a lot to know that our communication and support helped along the way. It was truly a pleasure working with you, and I’m so excited for you and this new chapter! Congratulations on your new home!
“Ashley made the entire process of getting and closing a home loan as seamless as possible. She was extremely responsive, very friendly”
Ashley made the entire process of getting and closing a home loan as seamless as possible. She was extremely responsive, very friendly, and helped us with every step of the process. I unreservedly recommend working with Ashley and appreciate everything she did for me and my family. No matter what question I asked, or unusual arrangement I requested, Ashley was immediately there to support and guide. Thank you Ashley!
Response from Lender
Thanks Victor! We're thrilled Ashley made your home loan process seamless and provided excellent support throughout.
“What we appreciate most is that she stayed in touch over the last three years, proactively reaching out when rates became advantageous for us.”
We have worked with Ashley Card for two different mortgages now—first to purchase our home and most recently for a refinance. Ashley and her team are incredibly professional, friendly, and always on top of every detail. What we appreciate most is that she stayed in touch over the last three years, proactively reaching out when rates became advantageous for us. We were highly satisfied with both experiences and I am certain this won’t be our last time working with her. Highly recommended!
Response from Lender
Thank you so much for your kind words and continued trust! It truly means a lot that you chose to work with us not just once, but again for your refinance. Staying connected with our clients and helping them take advantage of the right opportunities is something we really care about, so I’m glad that made a difference for you. It was a pleasure working with you both times, and we’re grateful for the opportunity to be part of your homeownership journey. We look forward to being here for you whenever you need us in the future!
“She is responsive, honest, and exceptional at her job. We couldn't be happier with her services and team.”
We have trusted Ashley time and time again to help us purchase homes, refinance our loans, and provide lending advice. She is responsive, honest, and exceptional at her job. We couldn't be happier with her services and team.
Response from Lender
Thank you for taking the time to share your positive feedback. We truly appreciate it and are glad we could meet your expectations.it was a pleasure working with you again!
“Without Ashley's support, patience and diligence we would not have been able to close on this property.”
Ashely was professional, knowledgeable. She understood my needs and found a solution for us to purchase our dream home. Without Ashley's support, patience and diligence we would not have been able to close on this property. A big shout out to her and the team at Rate. Thank you. Simon
SSimon R.
“I was not the easiest person to deal with. Not very organized with my paperwork and Ashley and her team did an amazing job keeping me on track.”
I was not the easiest person to deal with. Not very organized with my paperwork and Ashley and her team did an amazing job keeping me on track.
JJacqueline T.
“Ashley was a huge help in arranging 2 loans quickly, she was always super responsive. I so enjoyed working with her.”
Ashley was a huge help in arranging 2 loans quickly, she was always super responsive. I so enjoyed working with her.
Response from Owner
Hi, C. Thank you for your rating! We're happy to hear that your experience with us has been good.
“Whether it’s a new purchase or a refinance, she treats us like family and handles every detail with care. We trust her completely”
Ashley has been our go-to loan officer for years, and for good reason. Whether it’s a new purchase or a refinance, she treats us like family and handles every detail with care. We trust her completely and cannot recommend her highly enough!
Response from Lender
Thank you so much for the kind words! It truly means a lot to me, and I’m very grateful for your trust over the years. It’s always a pleasure working with you, and I sincerely appreciate the recommendation.
“It was great working with Ashley. She answered all my questions. She kept me in the loop about everything from beginning to end. I would enjoy working with her again.”
It was great working with Ashley. She answered all my questions. She kept me in the loop about everything from beginning to end. I would enjoy working with her again.
Response from Owner
Hi, Pat. Thank you for your rating! We're happy to hear that your experience with us has been good.
“She went above and beyond to make sure I understood everything every step of the way. She is very professional, kind and always there for you”
I have thoroughly enjoyed my experience working with Ashley. She went above and beyond to make sure I understood everything every step of the way. She is very professional, kind and always there for you as she guides you through the process. She explains everything very well.
Response from Lender
Thank you so much for your kind words! It truly means a lot to me to hear that you felt supported and well-informed throughout the process. It was a pleasure working with you, and I’m grateful for the opportunity to guide you every step of the way. Please don’t hesitate to reach out if you ever need anything in the future!
“Ashley was responsive, kind, thorough, and knowledgeable. She was patient with us when we had questions and provided detailed, digestible answers.”
Ashley was responsive, kind, thorough, and knowledgeable. She was patient with us when we had questions and provided detailed, digestible answers. I cannot recommend her highly enough.
Response from Lender
Thank you so much for your thoughtful feedback—I truly appreciate you taking the time to share your experience. It was a pleasure working with you, and I’m really glad I could help answer your questions and make things clear along the way. Your recommendation means a lot to me!
“Ashley was so responsive and helpful, highly recommend working with her! She guided us thru some complex procedures and was always available”
Ashley was so responsive and helpful, highly recommend working with her! She guided us thru some complex procedures and was always available and happy to speak with us and answer questions. Thanks Ashley!
Response from Lender
Thank you so much! It was truly a pleasure working with you. I’m glad I could help make those complex procedures feel more manageable and be there whenever you needed support. Don’t hesitate to reach out if anything comes up in the future—I’m always happy to help!
“Ashley is great! Just completed my 3rd loan / re-fi with her — it all went very smoothly … again.”
Ashley is great! Just completed my 3rd loan / re-fi with her — it all went very smoothly… again. Absolute excellence all the way around, and all with a cheerful, professional attitude.
Response from Lender
You are always a pleasure to work with. thank you for the great review
