Mortgage Brokers provide an extremely important service in the field of
finance.
We work closely with the Borrower pre-qualifying the loan, verifying the credit
and property aspects of the loan to make sure that you, the Borrower are
protected in all areas of the loan.

The Mortgage Broker then presents the loan to the Mortgage Lender for
funding.  For providing the valuable service, the Lender gives the Mortgage
Broker a wholesale cost.  The makes it possible for you, the Borrower, to obtain
the most competitive rate available.

"As your Mortgage Broker, we understand the needs and desires of the
community we live in.  For us, nothing is more important than making sure you
get the best loan in today's fast changing markets."  
 JoAnne Hortman, NYS Registered
Mortgage Broker
With over 35 years of experience in the Real Estate and Mortgage Business,
We will stay in touch every step of the mortgage process. Taking pride in the
number of referrals sent by satisfied Borrowers, we are committed to earning
the respect and confidence of every single client.

This unique dedication which always includes strict adherence to a precise
Code of Ethics and Standards of Professional Practice results in the Borrower
being represented by the most trustworthy Mortgage Lenders in the industry.

We don't work for the Lender
We work for YOU!

Top ten reasons to work with us

10. Variety and convenience-products to fit your needs.
9.   Self employed-we have programs for you
8.   Debt Consolidation-high loan to values
7.   Adjustable rates, fixed rates-save money with no PMI
6.   Home Equity Line of Credit Second Mortgages
5.   Investment Property-high loan to value and cash out
4.   Minimal documentation loans
3.   Interest only options
2.   Exceptions are encouraged- tell me a story,,we will find a loan
1.   Innovative Products
Ashcroft Mortgage Solutions
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Office  716-821-0080             716-913-3236             
817 Abbott Road, Buffalo, NY  14220   email:  joannehortman@ashcroftmortgage.com
Ashcroft Mortgage Solutions
Loans arranged through third party providers - NYS Banking Department
EQUAL HOUSING LENDER
MORTGAGE ADVICE
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