Let’s Make Your Home Dreams a Reality!
Ready to work with a team that cares about your goals, understands your needs, and brings a little extra heart to the process? Let’s talk! Follow us on social to keep up with the latest tips, testimonials, and celebrations.
We’re here for you every step of the way. 🏡✨
Our Team + Your Home = Home Sweet Home!
At The Home Loan Team, we believe the mortgage process should feel as exciting as the day you get your keys. Our team is dedicated to one thing – making your journey to homeownership as smooth and stress-free as possible.
With each of us bringing our unique strengths to the table, we’re able to handle every detail of your loan process, so you feel supported and informed every step of the way. From helping you choose the right loan program (FHA, VA, Conventional, Jumbo, USDA, Down Payment Assistance, ITIN, Bank Statement or DSCR) to guiding you through closing day, our focus is on you and your goals.
Clear communication is at the heart of everything we do. You’ll always know where you are in the process, and you can reach out with questions any time. Whether you’re buying, refinancing, or planning your dream home, we’re here to give you a personalized experience that turns homeownership into reality – with no surprises and lots of heart.
Ready to make that dream come true? We’re here to make it happen. ✨
Meet The Home Loan Team:
Hey there, friend!
Welcome to The Home Loan Team, where turning homeownership dreams into reality is what we do best! Led by Ashton Mitchell, a.k.a. Home Loan Girl, our team is here to make sure every client feels supported, informed, and valued. Whether you’re a first-time buyer, a veteran, self-employed, or simply looking for a smooth mortgage experience, we’ve got your back. Here’s a little about us:
Ashton Mitchell
Team CEO & Loan Officer/LO Mentor
Ashton is a wife, mom, and dedicated second generation mortgage advisor who’s been helping South Carolina homebuyers since 2015. Her passion for people and positive energy set the tone for the entire team. Known for her hands-on approach and deep commitment to clients and agents, Ashton loves finding solutions tailored to each buyer’s unique goals.
Nicole Munnerlyn
Team Sales Manager & Loan Officer
Nicole Munnerlyn is the President and CFO of The Home Loan Team and a nationally ranked Top 1% Mortgage Loan Advisor known for clear communication and client-focused service. A wife and mother of four, she leads a high-performing team in Greenwood, South Carolina, delivering smooth closings built on transparency and trusted relationships.
Amber Dean Koester
Senior Loan Officer
Amber is the ultimate partner for agents looking for a lender who puts in her heart every step of the way. Known for her reliability and deep industry knowledge, she’s here to make sure each client’s journey to homeownership is smooth and enjoyable.
Addison Smith
Elizabeth "Liz" Holland
Lindsey Esarey
Nicole Robinson
Why Work With Us?
The Home Loan Team is here to make the mortgage process as stress-free and rewarding as possible. We’re passionate about helping our clients achieve homeownership and committed to being reliable partners for the agents who trust us with their clients. Each of us is dedicated to delivering the best experience from application to closing day – with plenty of communication and a personal touch.
Ready To Start Your Journey?
Whether you’re just getting started, looking to strategize your path to homeownership, or thinking about an investment, The Home Loan Team is here to guide you every step of the way. We believe that buying a home should be an exciting, rewarding experience – not a stressful one – and our team is committed to making that happen for every client and realtor we work with.
Our expertise covers a wide range of loan programs, from VA loans for veterans and active-duty service members to FHA, Conventional, and specialty options for self-employed buyers. No matter your situation, we’ll find the solution that fits you best, and we’ll make sure you understand every step of the journey.
Loan Products
We offer many products and programs to help you find the best option for you:
FHA Loans
Conventional Loans
JUMBO Loans
VA Loans
Bank Statement
Down Payment Assistance
ITIN
DSCR Loans
Mortgage Calculators
Conventional Payment Calculator
Estimate your total monthly housing payment (P&I, taxes, insurance, HOA, and PMI when applicable).
FHA Payment Calculator
Includes financed Up-Front MIP (1.75%) and monthly MIP, plus taxes, insurance, and HOA.
VA Payment Calculator
Includes financed VA Funding Fee, plus taxes, insurance, and HOA.
Refinance Savings Calculator
Compare your current P&I to a new loan; shows monthly and lifetime savings.
How Much House Can I Afford?
Estimates max price using income, debts, rate, term, and tax/insurance.
Proudly serving Florida, Georgia,
South Carolina, North Carolina,
and Tennessee
Our Promise To You
We’re more than just a mortgage team – we’re a family, and we’re here to help you find your home sweet home. Our promise is to provide clear communication, honest guidance, and unwavering support so you can focus on what really matters: building your future and creating memories in a place you love.
Our expertise covers a wide range of loan programs, from VA loans for veterans and active-duty service members to FHA, Conventional, and specialty options for self-employed buyers. No matter your situation, we’ll find the solution that fits you best, and we’ll make sure you understand every step of the journey.
Contact Us
With LOWER backing The Home Loan Team, we’re here to get you home!
Let’s Get You Home
Your neighborhood mortgage experts nationwide!
The Best! 5.0 ⭐️ Anna Frissora Columbus, OH
You’ve got a friend in mortgage.
This is more than a loan, and even more than a home. We get to know you and your long term goals so we can advise what works best for you at every step.
Agent approved, and loved ❤️
Once you’re in contract on a home, we work directly with your real estate agent each step of the way to get you the house.
Our Products
We have some great product options to meet your financial needs.
VA Loan
Lower down payment and lower interest rates for US Military Veterans.
Conventional Loan
Great for well-qualified individuals, with lower rates and less hoops.
FHA Loan
Lower down payment and lower barriers—perfect for first-time buyers.
JUMBO Loan
Special financing for higher value properties with limits set by location.
USDA Loan
Zero down, lower rates and lower credit reqs. Made for rural properties.
Cash-Out Refinance
Up to 95% loan-to-value ratio made for paying off high-interest debt.
GO LOCAL. GO LOWER.
Let’s make you a homeowner.
Resources
EQUAL HOUSING OPPORTUNITY | NMLS ID #1124061 | Copyright ©2024 Lower, LLC. All rights reserved.
