Ashley Hickmon · Offices in Colorado & Florida
Home loans, simplified.
Buy, build or refinance with a loan officer who answers the phone — plus down payment help you may not know you qualify for.
- ✓ Straight answer in about 10 minutes
- ✓ No application or credit pull to talk
- ✓ FHA, VA, conventional, USDA & down payment assistance
- ✓ Se habla español
Verified reviews
Trusted by 1,200+ borrowers.
4.83 / 5
1,274 reviews on Experience.com
“Ashley went above and beyond to make sure we had the right loan for us. She provided us options so we could run the numbers to make the best decision. There were zero hiccups in the process — smoothest financing we've ever done.”
“Took her time explaining everything to us as we went through the process. She was always available by phone, email or text to answer our questions. She went above and beyond to make everything work, and thought outside of the box.”
Loan programs
The right loan, not just a loan.
Conventional loans
As little as 3% down for qualified first-time buyers, with mortgage insurance that can come off as you build equity.
FHA loans
3.5% down with flexible credit guidelines — a common choice for first-time buyers and buyers rebuilding credit.
VA loans
For eligible veterans, service members and surviving spouses. Zero down payment and no monthly mortgage insurance.
USDA loans
Zero down for eligible homes in qualifying rural and suburban areas, subject to income limits.
Down payment assistance
Grants, forgivable loans and silent seconds layered onto your first mortgage — Ashley's specialty.
Jumbo loans
Financing above conforming loan limits for higher-priced homes, with options for strong-credit borrowers.
DSCR investor loans
Debt-service-coverage financing for rentals and short-term rentals — the property's rent is what qualifies you, with no tax returns or pay stubs. Purchase, refinance and cash-out options.
Construction loans
Finance the land and the build together, so you can create the home you actually want.
Also from Ashley
Down Payment Finder
A free, plain-English guide to down payment assistance in all 50 states. Look up your state, see the grants, forgivable loans and other programs you might qualify for, then come back with questions.
- ✓ Listed state by state
- ✓ No sign-up or credit pull
- ✓ Written for first-time buyers
Resource Hub for Real Estate Investors
Tools and plain-English guides for rental property investors — from DSCR loans and financing strategy to running the numbers on a deal before you make an offer.
- ✓ Built for rental & short-term rental investors
- ✓ DSCR and investor financing explained
- ✓ Deal analysis, made simple
Common questions
Quick answers.
How do I choose the best mortgage lender in Colorado?
Compare more than the rate. Look at the full Loan Estimate (APR, lender fees, points), how quickly the loan officer responds, whether they offer down payment assistance programs like CHFA, and their verified reviews. Ashley Hickmon has 1,274 verified reviews on Experience.com with a 4.83 out of 5 average and is licensed in Colorado (CO license #100016932).
Who is Ashley Hickmon?
Ashley Hickmon is SVP of Sales Development and Growth and a Branch Manager (NMLS #250615) with Fairway Independent Mortgage Corporation (NMLS #2289) She has been named among the Top 1% Mortgage Originators (2021–2025), Top Women Originators (2022–2025), Top Originator (2022–2025) and Top 200 Mortgage Originators (2021–2025), and helps first-time and repeat buyers in many states find the right loan and layer in grants or assistance.
Which states is Ashley Hickmon licensed in?
Ashley is licensed in many states, including Colorado, Arizona, California, Georgia, North Carolina, Ohio, Texas, Tennessee, Virginia and more. See the full list of state licenses in the footer of every page or verify on NMLS Consumer Access.
How much do I need for a down payment?
It depends on the loan. VA and USDA loans can require 0% down, FHA requires 3.5%, and some conventional loans allow 3% down. Down payment assistance programs can cover part or all of that amount for qualified buyers.
Talk to a real person.
A straight answer in about 10 minutes — no application, no credit pull, no obligation. Se habla español.