Mortgage Lending

First-Time HomeBuyers

Buying your first home is a major milestone, and having the right guidance makes all the difference. First-time buyers explore loan programs designed to make homeownership more accessible and attainable.

Refinancing & Home Equity Loan

Whether you're looking to lower your interest rate, reduce monthly payments, or access your home’s equity for major expenses, refinancing and Home Equity Lines of Credit (HELOCs) offer powerful ways to make your home work for you. Refinancing can streamline your mortgage and improve financial flexibility, while a HELOC allows you to borrow against your home’s value as needed, often with revolving access to funds.

Why Ashlynn Is Your Trusted Originator

EXPERIENCE & EXPERTISE

For nearly 2 decades, Ashlynn has successfully guided banking clients through complex and challenging banking issues. She now guides buyers and owners through the lending process regardless of the size, type, or location of their property.

PERSPECTIVE

Ashlynn leverages her vast banking experience and knowledge of lending products to provide an expansive laymen perspective throughout all property types and lending structures for her clients. She provides the patience required to assist new borrowers through the lending process.

CONNECTIONS

Ashlynn understands that the home loan process is one of the greatest financial decisions of your life. She is dedicated to building a trusting relationship to guide you through a positive and fulfilling transaction.

Direct Broker Guidance

SoCal Mortgage employs their experince in lending millions to buyers and owners to guide the lending team With this guidance and unique set of tools and products, ML is able to provide home loans in the most unique situations.

Complete The Application

Start by contacting Ashlynn to provide details pertaining to employment history, sources of income, assets, debt, and additional information. Ashlynn will prepare your file and begin reviewing for required documents, detail accuracy, and if any potential challenges exist.

Application Review

Complete The Application

Ashlynn will communicate with underwriters to ensure your employment history, sources of income, assets, debt, and additional information all align with the loan product criteria. Additional documents and/or information may be requested.

Closing Process

Complete The Application

Closing Process

Upon approval, the closing agent will conduct the closing. The borrower will have to bring in a certified (or cashier’s check) for the cash needed. The closing agent will obtain the necessary signatures on the closing documents and disburse the money. Congratulations, you’re a homeowner!

ASHLYNN DRAYTON-JOHNSON

we see your vision

First-Time HomeBuyers

Refinancing & Home Equity Loan

Why Ashlynn Is Your Trusted Originator

EXPERIENCE & EXPERTISE

PERSPECTIVE

CONNECTIONS

Direct Broker Guidance

a glance at the process

Complete The Application

Complete The Application

Complete The Application

Application Review

Complete The Application

Complete The Application

Closing Process

Complete The Application

Closing Process

Click Here to See This Month's Featured Home!!

Click Here to See This Month's Featured Home!!

Click Here to See This Month's Featured Home!!

Click Here to See This Month's Featured Home!!

Click Here to See This Month's Featured Home!!

Click Here to See This Month's Featured Home!!

ASHLYNN DRAYTON-JOHNSON | Mortgage Lender - NMLS #2242894