About Ashley Pawley
Ashley Pawley isn't just in mortgages—she lives and breathes homeownership. As VP of Mortgage Lending at Rate, she turns "someday" into keys-in-hand, pairing sharp strategy with heart. Raised in a family of real estate pros, Ashley brings deep market savvy, fierce client advocacy, and an energy that keeps the process moving—and fun. What she's known for: * First-time buyers who want a cheerleader and a guide * VA loans, veterans, and military moves handled with precision and care * Smart refinances and cash-out strategies that serve the bigger plan * New construction and repeat buyers who need speed, clarity, and no surprises Ashley dives into each client's story—goals, lifestyle, long-term vision—and crafts lending options that actually fit. Expect proactive updates, lightning-fast responses, and a calm, confident path from pre-approval to closing. Her mission is simple: informed clients, empowered choices, stress-free closings. Proudly serving Hampton Roads/Virginia, North Carolina, and beyond, Ashley brings big-market expertise with a neighborly touch. When the laptop closes, you'll catch her chasing beach sunsets, singing along at concerts, testing new recipes, or laughing with family. If you're ready to explore your options—or just want straight answers without the sales fluff—Ashley's your first call. Let's make your next move happen. **Rate has no affiliation with any government agency.**
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 3940 North Ravenswood, Chicago IL, 60613
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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