Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

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NMLS: #995454

Ashley Nicole Barrett

Sr. Mortgage Advisor

Born and raised in the Tri-County area, Ashley Barrett has been helping individuals and families achieve the dream of homeownership since 2012. With deep roots in the community, she takes pride in serving the people and families who call this area home.

Ashley’s goal is to make the mortgage process as smooth, stress-free, and personalized as possible—because no two clients or situations are the same. She believes communication is the key to a successful transaction and works hard to keep her clients and real estate partners informed every step of the way.

Over the course of her career, Ashley has had the privilege of helping more than 1,000 families purchase or refinance their homes. Her dedication to her clients has earned her recognition as one of the top lenders in the country, along with more than 500 five-star reviews from past clients who appreciate her responsiveness, honesty, and ability to navigate even the most complex situations.

Ashley works with a wide range of buyers, but she especially enjoys helping first-time homebuyers understand the process and discover that homeownership may be more achievable than they initially thought. Her approach is centered around education, clear communication, and finding loan solutions that truly fit each client’s financial goals.

What Ashley loves most about her work is being part of such an important milestone in her clients’ lives. There’s nothing better than seeing the excitement on closing day when buyers receive the keys to their new home.

Ashley lives in Calhoun County with her two children. When she’s not helping clients, you can often find her attending her kids’ sporting events, enjoying country music and concerts, or spending time outdoors. She is proud to serve her community both professionally and personally, building relationships that often last well beyond the closing table.

Licensed in:

MO and IL

Specialties:

First-Time Homebuyer Programs

Low Down Payment Loan Options

VA Loans for Veterans

USDA Rural Home Loans

Conventional Financing

Refinance & Mortgage Checkups

Lending Specialties

First-Time Homebuyer Programs

Low Down Payment Loan Options

VA Loans for Veterans

USDA Rural Home Loans

Conventional Financing

Refinance & Mortgage Checkups

Why work with me?

5.0/5 Rating

548 reviews

1,000+

Families helped

Less Than 30 Days

Average close time

14 years

Of experience

Real clients. Real results.

Ashley was great! Made the home buying experience a blast. Highly recommend!

Donovan K

It was super easy to work with them. The communication was excellent. I loved the weekly updates!

Ashley J

Ashely is great to work with, easy to communicate with, and would recommend!!

Maxwell R

From the outset Ashley did a fantastic job of explaining the mortgage process, keeping us advised of any necessary document revisions and progress, and then deftly brought everything together for a smooth, hassle-free closing. I would highly recommend her to others!

Charles W

Ashley was amazing! She navigated the hardships my employer was giving her like a true pro! I’d highly recommend her to anyone buying a home!

Jammie B

Ashley with American Pacific Mortgage was great to work with. She was very kind, understanding, and had great communication. This was my first home purchase so I wasn't as knowledgeable as others, but she made the experience so seamless!

Colten J

I started with another company and was pre-approved and under contract for my house. Things took a turn with the other company. Ashley and her team were able to get me from pre-approved to closed in 15 days!!! I was in a panic mode when I called and they reassured me everything would come together. Amazing team, call Ashley to get pre-approved today!

Carrie B S

Easy to apply online and Chrissy was professional and kind when we met in the office. thanks !!

Antoinette E V

Ashley was great to work with . She was very responsive and made my first home buying experience seamless!

Alana N O

Ashley was fantastic. We approached her at the 11th hour and not only provided a better rate, but was able to meet closing deadlines in a short time frame. She was extremely helpful and knowledgeable.

Robert S

Ashley has been absolutely amazing throughout the entire process. She answered all of my questions clearly and thoroughly, making everything feel much less overwhelming. She was always patient, responsive, and extremely knowledgeable, which gave me confidence every step of the way. Her professionalism and dedication truly stood out, and I couldn’t have asked for a better experience. I highly recommend Ashley to anyone looking for a trustworthy and supportive mortgage loan originator. Thank you again, Ashley, for all of your help!

Ashley m

Ashley was great! She made buying a home a very quick and easy process.

Elton H

Ashley and her team did an excellent job!!they got it done so fast and easy, they walked me threw everything, they taught me so much and helped me tremendously. Thank you very much. I would recommend her everything to anyone.

Misty M

We can’t recommend Ashley enough! Working with her was one of the best decisions we made on our home-buying journey. She was professional, knowledgeable, and incredibly supportive. From day one, her communication was top-tier and her guidance throughout the mortgage process was invaluable. When our closing date was moved up, she didn't flinch a bit. She assured us there wouldn't be any issues, and she delivered. She was proactive and in our corner the whole time, and went above and beyond to make the process comfortable and seamless. We highly recommend her to anyone looking for a dedicated and trustworthy loan officer!

Kellie S

Loan Programs

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A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

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Conventional Loans

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Down Payment Assistance (DPA)

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Home Renovation
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
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Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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Supporting veterans and families with VA home loan options and resources.
VA Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
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A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Affordable community lending options for homebuyers.
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Community Lending
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
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First Responders – Nurses – Teacher Loans
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A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
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Reverse Mortgages
USDA loan approval process for rural home financing.
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USDA Loans
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

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Expanded Credit Loans living room with modern furniture and cozy decor.
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Expanded Credit Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
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Medical Professional Loans
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Pathway DPA Program
Secure lock program for home safety and security.
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Secure Lock Program
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

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